JCPenney Credit Card Review

JCPenney Credit Card Review

For all the department store shopaholics in the United States, JCPenney Credit Card is one of the oldest and most favorite stores where you can get just about everything under one roof. It is one of those stores that offer significant savings and coupons on every purchase.

However, if you are one of those who like to shop everything from this departmental store and visit it ever so often, then having their in-store credit card is certainly going to interest and benefit you more.

Terms & Fees of JCPenney Credit Card

  • Annual Fees: $0
  • Purchase Intro APR: 0% for 12 to 60 months
  • Cash Advance APR: 0%
  • Cash Advance Fees: $0
  • Regular APR: 27.99%
  • Foreign Transaction Fees: $0
  • Maximum Late Fees: $38

Quick Facts of JCPenney Credit Card

  • You can earn $10 for every 200 points that you will collect in your card
  • The day you will get the card issued, you can avail 15% discount on the selected purchases
  • You will get either a $10 or a $15 gift card of your birthday every year
  • If you spend at least $500 annually using the card, you will be promoted to the gold status
  • If you spend at least $1,000 annually using the card, you will be promoted to the platinum status
  • You can earn up to a maximum limit of 2000 points on a single purchase using this card
  • The platinum card avails you the benefit of having free shipping of your purchases from
  • You can manage your reward points online with ease

Earning the Rewards of JCPenney Credit Card

  • As a sign-up bonus, you can earn a discount of 20% on selected apparels, jewelry, shoes, salon products, accessories, custom blinds and shades, home products, mattresses and furniture on the first-day purchase from the store or online
  • Also, you can get a 5% discount on Modern Bride Design Your Dream Ring on the first day of issuing of the card
  • You can earn one reward point for every dollar spent on the eligible purchases
  • For every 100 points earned, you will get a $10 reward certificate
  • You can earn up to 10 reward certificates monthly
  • Reward certificates are available in the increments of 100 points only
  • Each year, certain days are known as the “Bonus Point Days” where you can earn more points on every dollar spent than regular
  • You will get a $10 one time reward for registering your email id

Redeeming the Rewards of JCPenney Credit Card

  • The points and certificates can be redeemed on every purchase at JCPenney and
  • You can club the points and certificates with other ongoing offers and discounts
  • You can redeem up to 10 certificates per purchase either in-store or online
  • Points do not expire for as long as 12 months, and can thus be redeemed at any time
  • Certificates expire within 45 days from the date of issue

Benefits to the Card Holders

You will anyway get the benefit of discounts and offers at the departmental store like a normal customer but having the card will make you accessible to some of the bonus features, which include:

  • Special financing deals offered by the store on various high priced products
  • Access to invitation-only shopping events
  • More than 150 card member-only saving days on shopping
  • A birthday gift card of $10 or $15 every year
  • Exclusive member-only discount coupons
  • For elite cardholders, there is a pick your sale day organized in the store
  • Free shipping on all the orders placed at for elite members
  • You can set up custom alarms to get regular updates about the status and billing cycle of your card


Even after having average reward offers, it is a must-have credit card for those who shop regularly at JCPenney Credit Card or have a low credit score and are looking to improve it through a store credit card. Besides, the zero annual fee policy and frequent offers for the card members in addition to regular discounts make it one of the best in-store credit cards for anybody and everybody.