Home > All Credit Cards > Store > JCPenney Credit Card

JCPenney Credit Card

Annual Fee	$0
Regular APR	$0
Open-loop card or Close-loop card	31.24% (V)

Additional Information

Balance Transfer Fee	Not Allowed
Purchase Intro APR	3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time0% for 15 months
Transfer Intro APR	0% for 18 - 24 months
Late Payment Fee	0% for 15 months
Returned Payment Fee	Up to $41
Cash Advance Rate	N/A
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee	0.03
Smart Chip	No

Sign-up Bonus

35% discount

Rewards

Rewards Rate: 1 point / $1

Rewards Detail: Get an extra 35% off original, regular and sale-priced apparel, shoes, accessories, fine jewelry, and home purchases when you open and use your card.Earn 1 point per $1 on JCPenny purchases with your credit card up to the point maximum (2,000) on a single purchase.Receive extra 20% and 5% on other select merchandise.Get a $10 JCPenney Rewards certificate for every 200 points.Earn additional JCP Rewards and discounts when you reach Gold by spending of at least $500 annually on merchandise or services or Platinum status by spending of at least $1,000 annually on merchandise or services.

Application Requirements

Minimum Credit Score	Excellent, Good, Fair
Minimum Age	18 years old

Credit Score

Excellent Credit	18 years old
Good Credit	700 — 749
Fair Credit	640 — 699
Bad Credit	300 — 639
Limited Credit	Less than 3 years of credit history

How To Apply for Target JCPenney Credit Card

1. Click the "Apply" button below!
2. Fill out the application with your personal and financial information.
3. Verify and submit your application.

Apply Now

Who Should Apply for JCPenney Credit Card

Individuals who frequently shop at JCPenney and want to take advantage of the card's rewards program and special financing options

Customers who are responsible with credit and can manage their spending and payments to avoid high interest charges

Those who are looking to build or improve their credit history by making regular, on

time payments

People who want access to exclusive cardholder events, offers, and discounts at JCPenney

Where Can You Use for JCPenney Credit Card

You can use the JCPenney Credit Card at any JCPenney store location to make purchases on clothing, accessories, home goods, and more.

The JCPenney Credit Card can also be used for online purchases at JCPenney.com, providing a convenient and secure way to shop from the comfort of your own home.

In addition to JCPenney stores and online, the JCPenney Credit Card can be used at JCPenney salon locations for beauty and grooming services.

The JCPenney Credit Card offers exclusive rewards and benefits for cardholders, making it a valuable tool for shopping at JCPenney.

More Store Credit Card

Macy's Store Card

Target REDcard Credit Card

Sam's Club Business MasterCard

Lowe's Store Card

Best Buy® Store Card

My Best Buy Visa® Card

My Best Buy Credit Card

Walmart® Store Card

Top Card Issuers

Capital One

37 Cards

Bank of Guam

4 Cards

North Shore Bank

5 Cards

Comenity Bank

53 Cards

PNC

10 Cards

Bank Mutual

5 Cards

Johnson Bank

5 Cards

Bank of America

29 Cards All Credit Cards Bank >

About Cards Pick

Welcome to Cards-Pick – where finding Your Perfect Card is a seamless journey. No financial path is straight; it's an odyssey of twists, turns, and detours. At our hub, we simplify the credit card quest. Let us be your trusted guide, ensuring each click leads to financial fulfillment. Your Perfect Card is waiting – start your journey to prosperity with us!

What Type of Credit Card is Best?

Choosing the best credit card isn't a one-size-fits-all scenario. Each card serves a unique purpose – some for spending, others for borrowing, travel, rewards, and more. To navigate this financial landscape, answer a few key questions to find the perfect card tailored to your specific needs. Let's unravel the credit card puzzle and discover how you can save by having the right card for the right purpose. The best credit card for you depends why you need it:

Cut interest with a balance transfer card

Get points/cash on a reward credit card

And there are others too... our 'how do credit cards work' guide takes you through all the options.

See all credit card types

JCPenney Credit Card

Additional Information

Sign-up Bonus

Rewards

Application Requirements

Credit Score

How To Apply for Target JCPenney Credit Card

Who Should Apply for JCPenney Credit Card

Where Can You Use for JCPenney Credit Card

More Store Credit Card

You May Also Like

Top Card Issuers

About Cards Pick

What Type of Credit Card is Best?

Popular Credit Card