JCPenney Credit Card Review

Last Updated on April 29, 2021

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JCPenney Credit Card is a basic departmental store credit card that offers some additional perks to the right customers. It is similar to those reward cards that many departmental stores offer for in stores and online shopping. It provides many discount options and a lot of saving opportunities. Besides, the cardholders also get extra rewards from the brand loyalty programs.

This store credit card is good for you if you are a regular customer or want to make some big purchases shortly. This article will discuss all the essential aspects related to this card and will help you if you are planning to apply for the JCPenney Credit Card.

The Basics of JCPenney Credit Card

JCPenney offers three credit cards: Standard, Gold, and Platinum. Synchrony Bank administers all these credit cards.

Initially, after signing up for a JCPenney credit card, you will get a standard red card. However, after spending more than $500 in-store or online at JCP.com with this card within one calendar year, you will be upgraded to a Gold credit card.

And after spending more than $1,000, you will be eligible for the Platinum card.  Moreover, to maintain these levels, you will have to spend these amounts annually. You can also get a 15% off on selected items and 5% off on big-ticket products if you use JCPenney Credit Card.

JCPenney Credit Card has no annual fee. Moreover, cardholders also get many bonuses, for example:

  • Special birthday offers
  • Elite coupons and offers
  • Bonus events
  • More than 150 special saving days
  • Distinct financing for qualified JCPenney purchases, which may have no interest for 6 to 30 months
  • Gold and Platinum cardholders get additional benefits

Things to Know about the JCPenney Credit Card

  • You will get bonus points for using your JCPenney Credit Card. This points-based system makes a $10 JCPenney rewards certificate for every 200 points.
  • You will get automatic bonuses after earning enough points.
  • Gold and Platinum status cards get extra perks
  • Special discounts and saving days are there for the cardholders.
  • The interest rate for JCPenney Credit Card is relatively high, just like many store credit cards.
  • This card applies to just JCPenney stores and related brands.
  • There are high fees for late payments.

Who Should have a JCPenney Credit Card?

If you shop regularly from JCPenney, then you surely can reap the benefits from reward bonuses, if you have a JCPenney Credit Card. Its unique reward points and financing options can be very advantageous if you plan to make some bigger purchases and have already spent a lot with JCPenney.

But if you are not a loyal customer, this card might not prove to be very useful for you.

How to Apply for the JCPenney Credit Card?

JCPenney facilitates its customers in every possible way. It allows you to apply for a credit card both online and physically at a local store. The online process is simple. You have to go to the credit card section on their website and provide them the required information. Then choose among the several provided options and review the terms and conditions. After this, your application will be sent to Synchrony Bank. Usually, the decision doesn’t take much time.

While applying in person, a sales associate will help you through the process. You just have to provide some information and will be informed of the decision immediately.

Final Words

JCPenney Credit Card is an excellent option for regular customers. However, many other cards are available in the market that also offers better rates and flexible rewards for their customers.