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.

Apply Now

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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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.

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