
JCPenney Mastercard®
Annual Fee | No Annual Fee |
Regular APR | 27.99% (fixed) |
Open-loop card or Close-loop card | N/A |
Additional Information
Balance Transfer Fee | N/A |
Purchase Intro APR | N/A |
Transfer Intro APR | N/A |
Late Payment Fee | Up to $38 |
Returned Payment Fee | N/A |
Cash Advance Rate | 27.99% (fixed) |
Cash Advance Fee | 5% of the transaction or $10.00 (whichever is higher) |
Foreign Transaction Fee | 3% of each transaction |
Smart Chip | N/A |
Sign-up Bonus
No Sign-Up Bonus.
Rewards
No Rewards..
Application Requirements
Minimum Credit Score | 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 Mastercard®
1. Click the "Apply" button below!
2. Fill out the application with your personal and financial information.
3. Verify and submit your application.
Who Should Apply for JCPenney Mastercard®
Individuals who frequently shop at JCPenney and want to earn rewards on their purchases
Customers who are interested in receiving special financing options on large purchases at JCPenney
People who are looking to build or improve their credit history by responsibly managing a credit card account
Those who want access to exclusive cardholder offers and events at JCPenney
Consumers who are comfortable with managing a credit card account and making monthly payments on time
Where Can You Use for JCPenney Mastercard®
You can use the JCPenney Mastercard® Credit Card at any JCPenney store location nationwide
The card can also be used for online purchases at jcp.com
Additionally, the JCPenney Mastercard® Credit Card can be used at any other retailer that accepts Mastercard as a form of payment
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