What is JCPenney Credit Card?
JCPenney Credit Card is a store credit card that allows customers to earn rewards and save money on their purchases at JCPenney stores, jcp.com, and Sephora inside JCPenney. The credit card is issued by Synchrony Bank and is exclusively for use at JCPenney and its affiliated stores.
One of the main benefits of the JCPenney Credit Card is the opportunity to earn rewards. Cardholders can earn JCPenney Rewards points for every dollar they spend, which can be redeemed for discounts on future purchases. In addition, cardholders can receive special offers, promotions, and coupons throughout the year.
Another benefit of the JCPenney Credit Card is the ability to save money on purchases. Cardholders can save up to 20% on select furniture and mattresses , and 5% on select Tempur-Pedic Mattresses when they use their card in-store or online at jcp.com. In addition, some stores in Puerto Rico offer a 20% discount on all purchases when using the JCPenney Credit Card.
There are some downsides to the JCPenney Credit Card, such as the high APR and late fees for missed payments. However, with responsible use and timely payments, cardholders can avoid these fees and enjoy the rewards and savings offered by the card.
Overall, the JCPenney Credit Card can be a good option for frequent JCPenney shoppers who want to earn rewards and save money on their purchases. However, it is important to read and understand the terms and conditions of the card before applying, and to use it responsibly to avoid high fees and interest charges.
Frequently Asked Questions about jcpenney credit card
Shop & Get Rewards Faster. Earn 2X the rewards points with a JCPenney Credit Card - receive 1 point per dollar spent on qualifying purchases.† Special Financing. Available on qualifying purchases for furniture, mattresses, fine jewelry and more.‡ Exclusive Savings Day.
JCPenney Credit Card: The basics
- Special offers for your birthday.
- Bonus events where you can earn more points.
- Exclusive coupons and offers.
- Over 150 special savings days.
- Special financing for eligible JCPenney purchases, which may mean no interest for six to 30 months.
The JCPenney Credit Card requirements for approval include having a credit score of at least 640 (fair credit), and enough income to make monthly minimum payments. Plus, applicants must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number.
JCPenney Credit Card Review
The JCPenney Credit Card has a $0 annual fee and offers an attractive initial bonus, but its ongoing rewards aren't as valuable. Still, it's worth considering if you have fair credit and you like to shop at JCPenney.
J.C. Penney, in full J.C. Penney Corporation, Inc., formerly J.C. Penney Stores Company (1913–24) and J.C. Penney Co. (1924–68), American retail company, founded in 1902 by James Cash Penney and today engaged in marketing apparel, home furnishings, jewelry, cosmetics, and cookware.
If you spend that same $500 or $1,000 at JCPenney on a card that earns 2% cash back, you'd score $10 or $20 back to spend anywhere you like. Note that JCPenney offers both a Mastercard version and a store-only version of its credit card.
Cardholders earn 1 point per dollar spent at JCPenney. Though that's a paltry earning rate, points are worth 5 cents apiece. So you'll actually earn 5% back on JCPenney purchases. If you regularly shop at JCPenney, that's a solid earning rate.
You need a credit score of at least 640 to get the JCPenney Credit Card. That means people with fair credit or better have a shot at getting approved for this card. The JCPenney Mastercard, on the other hand, requires a 700+ credit score (good credit).
Departments inside JCPenney stores include Men's, Women's, Boys', Girls', Baby, Bedding, Home, Fine Jewelry, Shoes, Lingerie, JCPenney Salon, JCPenney Beauty, as well as leased departments such as Seattle's Best Coffee, US Vision optical centers, and Lifetouch portrait studios.
JCPenney started in 1902 as a dry-goods store called the Golden Rule Store. At the time, Penney's business practices were revolutionary. He banned haggling, a common practice at the time, to keep prices low.
You can only use the JCPenney Credit Card at JCPenney stores, JCPenney.com, Sephora stores inside JCPenney locations, and Sephora.com. The JCPenney Mastercard, on the other hand, can be used anywhere Mastercard is accepted. It's worth noting that potential cardholders do not get to choose which card they apply for.
Three Types Of Mastercard: Standard, World And World Elite
- Standard.
- World.
- World Elite.
John Miller, Credit Cards Moderator
There is no disclosed starting credit limit for the JCPenney Mastercard. Some cardholders report starting limits as high as $6,000, though, according to forum posts. The issuer, however, does not include any specific credit limit information in the card's terms.
J.C. Penney, in full J.C. Penney Corporation, Inc., formerly J.C. Penney Stores Company (1913–24) and J.C. Penney Co. (1924–68), American retail company, founded in 1902 by James Cash Penney and today engaged in marketing apparel, home furnishings, jewelry, cosmetics, and cookware.
J. C. Penney was a successful retail businessman from Missouri. He founded the J. C. Penney Company, a nationwide chain of stores that sells a wide variety of products. Penney strongly believed that stores should be run with honesty and a deep respect for the customer.
J.C. Penney Company is on a mission to ensure every shopping experience is worth the customer's time, money and effort.
