JCPenney credit card |

JCPenney credit card review

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JCPenney credit card

Earn a 5% rewards rate on JCPenney purchases.

  • Get this card if you’re a frequent JCPenney shopper.
  • Pick something else, like a general cashback card, if you only occasionally shop at JCPenney.
  • You may qualify with fair credit. However, you’ll have much better odds with a good to excellent credit score of 670 and above.
Product NameJCPenney credit card
Annual Fee$0
Purchase APR27.99% fixed
Intro Purchase APR


Intro Balance Transfer APR


Interest Free PeriodUp to 23 days
Late Payment FeeUp to $38
Minimum Age18 years of age
RewardsEarn 1x points on all JCPenney purchases and redeem for $10 in rewards for every $200 spent
Base Rewards1x points

The basics

The JCPenney credit card could be a good pick for JCPenney frequent shoppers since it offers a strong rewards rate on eligible JCPenney spending in stores and online.

But watch out for the card’s high purchase APR. Interest payments could wipe out your rewards if you don’t pay off your balance each month.

Another store credit card

Target REDcard™ Credit Card

  • Get a coupon for $35 off a $70+ qualifying purchase when you are
  • approved for a debit or credit REDcard in-stores and at between
  • 5/19/19–6/15/19. The coupon will be mailed to approved cardholders with
  • their REDcard and will be valid through July 20, 2019
  • $0 annual fee
  • Save 5% on purchases at Target stores and
  • Early access to special events, products and promotions
  • 10% off coupon on your card anniversary
Read less
Read more

The perks

  • No annual fee.
    A $0 annual fee helps you get more value out of your rewards.
  • Signup bonus.
    Receive a personal coupon to save 5% to 20% on select JCPenney items when you open your JCPenney credit card.After you use your coupon for the first time, you can use it as much as you’d like within 24 hours.

Here’s what you can save 5% to 20% on:

Save 5% in store and at the JCPenney website on:

  • Electrics and electronics
  • Smartwatches
  • Modern Bride Design Your Dream Rings

Save 20% in store and at the JCPenney website on select items in:

  • Shoes
  • Apparel
  • Fine jewelry
  • Accessories
  • Salon products
  • Furniture
  • Home items
  • Mattresses

In US stores only, save 20% on custom blinds and shades, and 5% on major appliances.

  • Rewards.
    You’ll automatically be enrolled in JCPenney Rewards and get up to 1x points on all eligible purchases. Through this program, you’ll earn 1 point per dollar spent with your JCPenney credit card. The maximum points you can earn per purchase is 2,000.

How point redemptions work

The card’s redemption rate makes earning 1 point per dollar better than it might seem.

You’ll receive a $10 JCPenney Rewards certificate for every 200 points earned. That means you’ll get $10 in rewards for every $200 spent with your JCPenney credit card. This is a 5% rewards rate, which is excellent.

You’ll also like…

  • JCPenney credit card member benefits.
    You’ll qualify for entry-level JCPenney Rewards benefits such as a birthday gift, opportunities to earn bonus points, special coupons, access to exclusive benefits, savings days for cardmembers and special financing offers.
  • Work toward Gold or Platinum status.
    When you spend $500 or more in a calendar year, you’ll earn Gold status. This tier gives you perks such as a $10 birthday coupon, access to special events, coupons and special offers. When you spend $1,000 or more in a calendar year, you’ll earn Platinum status. You’ll receive Gold perks, plus a $15 birthday coupon, Sephora Bonus Points Days and Platinum Appreciation Days that offer an extra 30% off.

What to watch out for

  • Valid only at JCPenney stores.
    Because this card isn’t associated with a card network like Visa or Mastercard, you can’t use it with merchants outside the JCPenney network.
  • High APR.
    No matter your credit score, there’s just one purchase APR for the JCPenney credit card: 27.99% fixed. If you plan on carrying a balance, consider a card with a lower APR.

How does credit card interest work?

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Bottom line

This card offers excellent rewards on JCPenney purchases. Consider it if you’re a frequent shopper at the retailer. Otherwise, you may want to consider a cashback card.

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