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JCPenney Credit Card

The JCPenney Credit Card is a store credit card offered by JCPenney, a popular retail chain. This card allows cardholders to earn rewards and special discounts at JCPenney stores and online. It also offers special financing options for larger purchases. The card does not have an annual fee, making it a convenient option for frequent JCPenney shoppers.

JCPenney Credit Card List

JCPenney Mastercard®

The JCPenney Mastercard® is a credit card that offers rewards for purchases made at JCPenney and anywhere else Mastercard is accepted. Cardholders can earn points for every dollar spent and receive special financing options for large purchases. The card also provides access to exclusive savings events and offers, making it a valuable tool for frequent JCPenney shoppers.

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JCPenney Credit Card

Deferred Interest Details: No interest if paid in full within 18 months on qualifying furniture & mattress purchases of at least $499 (after discounts).Limited time offer - Deferred Interest Details: No interest if paid in full within 24 months on qualifying furniture & mattress purchases of at least $999 (after discounts).One application with two options you can get approved for. You can apply for the JCPenney Store Card but the system will determine if you are eligible for either a Mastercard version or the Store Card.

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What Credit Cards Are Available?(2)

	JCPenney Mastercard®	JCPenney Credit Card
Annual fee	No Annual Fee	$0
Regular APR	27.99% (fixed)	$0
Purchase Intro APR	N/A	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	N/A	0% for 18 - 24 months
Late Payment Fee	Up to $38	0% for 15 months
Returned Payment Fee	N/A	Up to $41
	See Details	See Details

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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:

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

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JCPenney Credit Card