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JCPenney Credit Card

jcpenney credit card
Required Credit Score:
Fair
3.5 321 reviews   Write a Review
Info about the JCPenney Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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JCPenney Credit Card’s Rewards

Bonus
Up to 15% discount
Base Earn
1 point / $1
Max Earn
1 point / $1
Earn / Redeem Limit
No
  • Earn 1 point for every $1 of qualifying purchases.
  • Save 15% on apparel, shoes, handbags, fine jewelry and home merchandise; save 10% on Modern Bride Diamond Vault, watches, furniture, mattresses, and custom blinds & shades.
  • Earn additional JCP Rewards and discounts when you reach Gold or Platinum status with qualifying purchases and points.
  • Earn a $10 jcp reward certificates when you spend $100 on qualifying purchases in-store or at jcp.com, with a limit of ten $10 certificates per month.
  • Points expire at the end of each calendar month.

JCPenney Credit Card’s Key APRs & Fees

Intro Rate on Purchases
0% for 36 months
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
26.99% (V)
  • ANNUAL FEE None

JCPenney Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT
    FEE  
    N/A
  • MAX PENALTY APR   None
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    N/A
  • CASH ADVANCE
    FEE
    N/A
  • FOREIGN
    TRANSACTION FEE  
    N/A
  • SMART CHIP   No
  • Deferred Interest Details: No interest if paid in full within 36 months on furniture and mattress purchase(s) of $1500 or more.
  • No annual fee.
  • Fraud Protection.
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JCPenney Credit Card Reviews

 
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3.3
Overall Rating: 3.3 / 5
Total Ratings: 321
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Jul 29, 2015
Photo of Kyle C.
5
Jul 29, 2015
I applied for a JC Penney Store Credit Card not knowing if I would get it or if I should. I was pleasantly surprised to find that, not only was I granted a card, but it was a great decision to get one. My card allowed to by nice clothes for work, usually at a discount, with reasonable payments and interest rate.
Jul 25, 2015
Photo of Wayne M.
1
Jul 25, 2015
We have closed our account with J C Penney. We don't need a J C Penney card. We don't need to do business with J C Penney, there are plenty of other good options. Synchrony Bank assessed a late payment charge last month, apparently because our May payment check did not get delivered in time. It had been mailed as soon as we got it. We paid the bill and asked for clarification about the late charge. We received none. No way to discuss. Just a bill for the late charge. This time with an additional 48% (APR) added on. We don't need J C Penney and we certainly want more
Jul 19, 2015
Photo of Arezoo E.
1
Jul 19, 2015
I'm going to DELETE this account and CUT and Throw Away this card.
I've got two AWFUL experiences with this card.
First being charged for insurance that I didn't asked for and even wasn't aware of!!!
Second being charged for interest and late fee ($27) for sth I paid right on time!!!
I never shop at JCP ever again.
They're all cheaters in every possible ways.
Jul 14, 2015
Photo of Clarissa L.
1
Jul 14, 2015
After I made a payment in full (even rounded up to the nearest dollar) at a JC Penny Store in May 2015 on the due date, my account has still not been credited, and I am now (July 2015) being charged interest and late fees! However, when I checked with my bank, the money I paid had been debited from my account. Apparently, JC Penny was having computer issues that day and my account did not get credited. Synchrony Bank asked me to fax the receipt. Reluctantly, I went to a JC Penny store, asked to speak to a manager, and she faxed the payment receipt along with the June more
Jul 3, 2015
Photo of Lori M.
1
Jul 3, 2015
This card is owned by Sychrony bank, I had a 0 balance in February 2015 and last month June 2015 was sent a letter that my account was closed due to inactivity..... reallly??? not using it for 3 months?? I also had a lowering of my credit limit sometime in the 1 1/2 years of being a cardholder, wan't even notified of it.... DONT GET ANY CARD ASSOCIATED WITH SYCHRONY!! BAD BUSINESS!
May 20, 2015
Photo of Denise T.
3
May 20, 2015
If you sign up for this card in the store at the time you are checking out, you get an immediate 10% discount. It's great for that and the deferred interest on major purchases of furniture is fantastic. The interest rate it too high to use this card if you want revolving credit though. The late fees are also about $10 higher than my TJ Maxx card. This card offers a discount of 15% on your purchases so it's worth having if you can pay off the balance every month. Easier than finding online coupons.
May 19, 2015
Photo of Wayne R.
1
May 19, 2015
Hey ... has anyone else had trouble with the JCP Credit Card?? I have a friend who made a payment in full but arrived late. The late fee exceeded the cost of the item. The following month they received a bill double the last amount. They called JCP Customer Service and each call was directedto a third party collection firm that refused to connect the call back to JCP and they refused to adjust the fee appropriately. There does not appear to be any billing or internet access to the JCP services. Does anyone know when they have their stockhoders meeting?
May 18, 2015
Photo of Barb S.
5
May 18, 2015
I got my card in perfect timing. The cashier asked if I wanted to apply for the JCP card and I would receive an additional 10% off; I was school shopping with the kids so all the discounts came in handy. I was even able to get myself a few things. Having the cards allowed me to get what I needed and the ability to pay in a timely manner. Even after I was able to use my card when ever I needed and was able to pay on my account and keep track of every purchase online. I would recommend it to everyone.
May 1, 2015
Photo of Haley B.
3
May 1, 2015
The good: As store cards go, the JCPenney Credit Card offers generous discounts and incentives to keep you a loyal (and happy) customer. Getting 10-15% off purchases consistently plus getting a $10 gift card for every $100 you spend makes the savings potential huge. It is important to note that points expire at the end of each month, so to benefit from this card you would need to plan your shopping schedule and stay true to JCPenney.

The bad/ugly: Although there are many attractive terms for this card, 26.99% APR is nothing to fool around with, and after the introductory period is over, carrying a balance will quickly become expensive and more
Apr 16, 2015
Photo of Pat H.
5
Apr 16, 2015
We love our JCPenney because of the great deals they offer for the entire home and family and having the JCPenney card makes it even easier. With this card you can add up points for every $1 you spend you get 1 point. In addition you get all kinds of discounts when you use your card. The best things about this card is that you have a 0 percent intro rate for 12 months. This will come in handy at Christmas time when your list gets long.
Apr 7, 2015
Photo of Sonal G.
5
Apr 7, 2015
This is an awesome store credit card to start out with especially if you want to build credit. I have had this card for 4-5 years and I love the perks you get with it. I did have a small problem with billing because I didn't receive a bill but I had a small balance on it of under 10$. I called them and they solved the matter in no time and I was able to get a new card as soon as possible so that there wouldn't be any future problems. Though they assured me that if anything like that happened again, they would take care of it. Now more
Apr 4, 2015
Photo of Sabrina M.
2
Apr 4, 2015
This card is Ok...if you need to build your credit etc. I was a lil bummed that even though I always made my payments on time i could not get them to increase my limit. $300 is just not enough for a card like this and the interest is a bit high. IF the reward points carried over each month I would have considered keeping it, but Im just not about to throw down $100 bucks every month for a $10 coupon. If you are die-hard JCP shopper it may be okay, but I shop maybe only 4 times a year so it really wasn't worth it to me with more
Mar 30, 2015
Photo of Lauren B.
2
Mar 30, 2015
The JC Penny store card has decent rewards but isn't anything special. The APR is extremely high so after the introductory rate of 12 months ends, I would highly suggest cancelling the card if you are not great with paying your cards off in full. The 1 point per dollar spent is a good deal but you have to use your points at the end of the month, so unless you plan on shopping monthly at JC Penny it really isn't a great deal. JC Penny sends out enough coupons and usually has good enough deals that this card is essentially irrelevant and useless. The Macy's credit card offers better more
Mar 13, 2015
Photo of Tim D.
3
Mar 13, 2015
I like the discount percentages of this card but found it did not apply to the cologne section which I frequently buy. The APR is a little high so plan on paying your balance off on time especially after the 12 month 0% introductory rate expires. The JC Penny credit card is a great option you can use to get discounts on clothes you would buy anyway but be sure to pay it off quickly or the interest could add it very fast!
Feb 26, 2015
Photo of Ian G.
3
Feb 26, 2015
The JCPenny card is a pretty good card. The 10-20% discount is great but can be somewhat misleading. Do not go to the jewelry section and expect a 20% discount! That being said, the point system is great, but be careful because points have an expiration date and have a limited redemption clause! Be sure to read up before signing on. Despite the so/so experience that I have had, I do think it is a good card, especially if you are a frequent JCPenny shopper.
Feb 13, 2015
Photo of Chelsea H.
5
Feb 13, 2015
I have have had my JC Penney card for over a year now. I have never had a problem with the card or with customer service. The online website is easy to navigate and makes paying my bill online quick and simple. In addition, I enjoy being able to call the automated service at anytime to receive my balance, payment due date, and minimum payment. I have not used the card enough to earn any rewards yet, but my experiences have been nothing but positive. Even when my wallet got stolen customer service was quick to suspend my account and send a new card out right away. I received my more
Feb 11, 2015
Photo of Jarett C.
4
Feb 11, 2015
The JC Penney Credit Card is a great option for someone who is looking for an easy to use store card that gives you a long grace period and no annual fee. In my opinion, the 26.99% regular APR rate is a little on the high side, so if you plan on using this card, make sure you pay your balance off each month. What I really like about this card is the point system. If you have a lot of shopping to do and can get ALL of your shopping done at JC Penney, just buy everything there and rack up the points. You also get $10 in rewards more
Feb 5, 2015
Photo of Kristin M.
3
Feb 5, 2015
I am writing about the JCPenney credit card. First, I want to write about the appealing parts of this credit card. The fact that you can get a bonus of up to a 20% discount is amazing.I also like that you get a point for every dollar you spend on the card. There is no annual fee on this card and a 0% interest rate for the first year! Now on the the not-so-good parts. First, the APR is high (26.99%). Also, the points you may earn expire at the end of the calendar month. There is also a limit on the reward points you can redeem. All in all, more
Jan 22, 2015
Photo of Dustin P.
5
Jan 22, 2015
I absolutely love using the JC Penney store card! The discounts it offers really helps with me managing my money and they give you plenty of time to pay off your balance with a very low interest rate! Overall, it is a terrific card and I would recommend getting it to anyone!
Dec 26, 2014
Photo of Ace R.
5
Dec 26, 2014
I just love my JC Penney Credit Card, and love how my payments are low. What I really enjoy about this card is how each month with my statement I get a few coupons and promotions to participate in which come in handing during the shopping holiday season. So far I been on great terms with my card and can't wait to use it again after Christmas for more gifts for myself and the family birthdays in 2015.
Dec 8, 2014
Photo of Prince C.
4
Dec 8, 2014
This card is pretty easy to qualify for. If your credit is bad they will just give you a low limit, but there is no problem getting it raised if you pay it off on time. What I really like about it though is the rewards and deals it provides. They really want all you clothing money! They have special deals almost everyday for credit card customers. I have made quite a few purchases and have no complaints. It's a great card to have just in case! I use it more than most of my other department store cards. With the large selection of stuff at JC Penneys this card more
Dec 8, 2014
Photo of Julie B.
5
Dec 8, 2014
I HAVE HAD THIS CARD FOR A YEAR NOW. I JUST LOVE IT. I LOVE WHEN COMPANIES OFFER YOU SPECIAL DEALS. I JUST LOVE THE REWARDS POINTS. I SHOP HERE A LOT SO I AM ALWAYS RACKING UP THOSE POINTS. I LOVE THAT THEY HAVE A GRACE PERIOD AND THERE IS NO ANNUAL FEE FOR THE CARD. I HAVE NO BAD COMMENTS ON THIS CARD AT ALL. IF YOU SHOP HERE A LOT I WOULD HIGHLY RECOMMEND YOU GET THIS CARD!
Nov 13, 2014
Photo of Chad M.
5
Nov 13, 2014
I got the JCPenney credit card a couple of months ago and I have not had any problems thus far. My credit rating is only satisfactory so I was pleasantly surprised when I got approved for a JCPenney store credit card. I was approved for a $300 credit limit. The monthly payments that I'm required to pay are minimal and the interest rates are bearable. Some of the best perks of the JCPenney credit card include store discounts on top of discounts that are already going on and I'm given a grace period which means that I can pay my balance in full before the interest rates start to accumulate. more
Nov 12, 2014
Photo of Jackie M.
4
Nov 12, 2014
I got the JC Penny store card the year before my oldest child went to third grade. It's so convenient for shopping for school clothes at the beginning of the school year. The payments are easy to make and the reward points are a nice bonus. I love pairing my card use up with some of the great sales you can find in the store to maximize my savings. All in all, I love this card, and it makes school shopping a breeze for me.
Oct 21, 2014
Photo of Jess M.
4
Oct 21, 2014
I have a JC Penney store card and I really like it for the rewards. I like the $1 in points for qualifying purchases a lot. I really like that you can earn the $10 in JCP money- I use that and then go when they are having a sale and it really stretches my dollar! The APR is about normal. The only thing that I am not totally crazy about is when the payment is due its on east coast time. So it needs to be in by 8pm EST. The other month I had totally forgotten to pay my bill until that evening at 4 where I am more
Oct 16, 2014
Photo of Anna B.
2
Oct 16, 2014
The JC Penny store card is pretty much average as far as store credit cards go, though the points/rewards program is a little lacking. The Victoria Secret card, and many other store credit cards, offer double or triple points in addition to a store discount and various promos on sign up. AND please note that JCP points expire at the end of each month, most rewards cards will carry over points until you redeem. Unless you are a die-hard JC Penny shopper you should seriously consider a more general reward type credit card instead. I like Chase (Amazon Rewards is awesome, especially if you do any shopping there) and Capitol more
Oct 10, 2014
Photo of Xina B.
3
Oct 10, 2014
I have had a JC Penny card since 2007. I had a slightly rocky payment history in 2010 but since then have been consistent in shopping and making payments. My credit limit was increased without request, and I took advantage of that. I made one late payment in the past 12 months due to a bank issue, and immediately my credit limit was significantly reduced with no real explanation. I have since paid off my card and have not used it at all, and don't really have any plans to. I keep the account open should the occasion arise that I would like to use it and to have credit options open.
Sep 15, 2014
Photo of Craig L.
3
Sep 15, 2014
The JCPenny store card is a decent card. I have a Sears’s card and it has similar features. The no interest paid on purchases of $1000 or more on furniture and mattress orders if paid in full within 12 months is similar in value to what my Sears card offers. You can get a point for every dollar spent on “qualifying” purchases which can mean cash back on future purchases but given the points you earn expire at the end of each calendar month is a little disappointing. It is in my opinion an average card with average deals.
Sep 15, 2014
Photo of Cheyanne G.
3
Sep 15, 2014
I'm about 50/50 with this card. On one hand, they do offer great benefits. $10 for every $100 you spend a month. And if you go platinum (spend $1000 a year) you get the $15 birthday coupon. However, now JCPenney has actually came out with a rewards card that isn't a credit card. So, you get the $10 for $100 with any form of payment. The only thing that is missing with that would be the $15 birthday credit, in which you'd have to spend a lot of money every year in this store to receive that anyway. Furthermore, I really dislike the percentage rate of the interest. I got more
Sep 1, 2014
Photo of Patty C.
5
Sep 1, 2014
I'm actually a HUGE fan of this credit card. Initially, it may seem as if the interest rate is high, but that's only if you don't pay the balance in full on the card. You can earn reward points by using the card, which in turn earns you cash off future purchases. I also receive plenty of coupons, which when used in conjunction with the card, offers much more value. I like the payment options too... you can pay by mail, by phone, on line or in the store at any register. How convenient!
Aug 6, 2014
Photo of Becky M.
5
Aug 6, 2014
I love my JCP card. I enjoy earning (and redeeming!) the rewards. I receive lots of coupons in the mail, even a $15 birthday coupon each year. Lots of cardholder-only sales & benefits. I misread a date on one of my coupons the other day & could not use it. The associate showed me where to find an exclusive cardholder coupon on my phone so that I could save even more money. So easy to review my account statement & pay my bill online. Very pleased with this card.
Jul 25, 2014
Photo of Geisa H.
5
Jul 25, 2014
I really like my card. It is rewarding having a card that gives you real rewards , almost same as paying with someone else's cash! I do shop there a lot because I really like the quality of the children's fashion , they even have a small place just for Disney apparel ! The card is a pleasant surprise when all around us sounds more expensive and lasts very little. I was there yesterday, they had a 20% off on the card and I picked out an outfit for my 5 y/o first day of school. After I founded I went to pay and used the coupon , that's when more
Jul 11, 2014
Photo of Vanessa P.
4
Jul 11, 2014
I enjoy the JcPenney store card. I remember my mom having one with them when I was growing up and I buy most of the clothes for my two sons at JcPenney so I decided to open one with them as well. I loved the no interest for 12 months, though the APR after that is nothing special it is typical of most store cards. I like the points system so I know exactly how close I am to my next reward and the 20% off discount for opening the account really was a good deal. I opened my card last fall so I used the 20% off for back more
Jun 20, 2014
Photo of Anto A.
4
Jun 20, 2014
The credit card earns you great offers on purchases both in store and online but the downside is the high APR compared to a regular credit card.
Jun 18, 2014
Photo of Heather P.
3
Jun 18, 2014
When I got my JC Penney Store Card it was right around the holidays. I got a fantastic introductory offer with a very low introductory interest rate. The card was very straightforward and functioned just like other cards. If you are making a significant purchase, the introductory specials are great. As an everyday card, the points system needs work, since your points expire at the end of the month. Interest is higher than a lot of cards after the introductory period, but still similar to other store credit cards.
Jun 6, 2014
Photo of Stephanie R.
4
Jun 6, 2014
I really like that cardholders can earn points on their purchases to use at a later time, but I don't like that the points expire on a monthly basis. I think it would be more convenient for customers to have points expire every three months, instead. I also wish that the initial discount available for new cardholders was available in store, rather than just online. Offering a birthday gift to cardholders each year is great gesture that probably generates good business for the company as well as makes the customer happy.
Jun 5, 2014
Photo of Kim R.
2
Jun 5, 2014
I used to be a huge fan of JC Penney and have had a credit card with them for over thirty years. However, it appears that one of the store's priorities that has slipped during their financial woes is an emphasis on customer service. I pay my bill electronically. A couple of months ago, my payment was due on the weekend, so even though I had authorized the payment, it didn't clear my bank until the following Monday. JC Penney charge me the $35 late fee and when I called to ask to have it reversed, they refused and advised I should have paid my bill at a store on more
May 29, 2014
Photo of Katie E.
3
May 29, 2014
I have used this card for most of my purchases at jc penney. Some sales are linked to a card usage, so I will purchase the items with my jc penney card. due to the high interest rate I always immediately pay my bill wen I get home to avoid interest charges, which null and void the saving that I have accrued through using the card instore. as a card member, the more I spend the more coupons I get exclusively as a card member. I feel this is a positive thing for me because first off, I never keep a balance and that allows me save the most money more
May 27, 2014
Photo of Matt W.
2
May 27, 2014
This JCPenny Store Card seems pretty below average. 1 point / dollar is not good compared to other rewards cards, and the redemption is limited to JCPenny. Most of the rewards are exclusive to JCPenny purchases which limits your ability to shop elsewhere. Using a general rewards credit card is much more financially sound than using a card that ties you to a single store. The worst part about this card is that the points expire at the end of each calendar month. That's absurd.
May 10, 2014
Photo of Lindsey G.
1
May 10, 2014
Better hope that no one ever makes a fradulent charge on your card because you are more than likely going to be drug through the ringer trying to prove it was a fradulent charge. JCPenney definitely lost my business.
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Aug 3, 2015
Photo of Shelby M.
Aug 3, 2015
do you have to spend a certain amount of money each month with the card?
Aug 21, 2014
Photo of Kathie B.
Aug 21, 2014
Can I use my jcp card in the jcp salon?
Jul 10, 2014
Photo of Helen G.
Jul 10, 2014
Hi....I recently 6/28/14 was approved for a card with JCPenney's...I was wondering when I will receive my card and first billing or is this something I need to go to the store and retrieve?? Thank You..
Jul 25, 2014
Photo of Card H.
Jul 25, 2014
The card usually arrives in the mail 7 to 10 business days after approval. If 10 business days pass and you don’t receive your credit card you can call customer service at 1-800-527-4403.
Jul 8, 2014
Photo of Tammy W.
Jul 8, 2014
How does an existing cardholder add another person, so that person can buy merchandise on the existing cardholder's card?
Jul 29, 2014
Photo of Card H.
Jul 29, 2014
Your best bet is to call customer support at 1-800-542-0800.
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Last updated on: Aug 3rd, 2015 at 8:47 EDT