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JCPenney Credit Card

jcpenney credit card
Required Credit Score:
Fair
367 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 1 point for every $1 of qualifying purchases
  • Save 15% on select apparel, shoes, accessories, fine jewelry, salon products, home, furniture and mattresses, custom blinds and shades; save 5% on major appliances (select stores only) and Modern Bride Diamond Vault
  • Earn additional JCP Rewards and discounts when you reach Gold or Platinum status with qualifying purchases and points
  • $15 Perk Rewards for shoes or bras

JCPenney Credit Card’s Key APRs & Fees

Purchase Intro APR
0% for 36 months
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
26.99% (V)
  • ANNUAL FEE None

JCPenney Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • MAX OVERLIMIT
    FEE  
    None
  • 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.
Apply Now
at Synchrony Bank ’s
secure site

Customer Questions and Answers

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When will I receive my card? Do I need to go to the store to retrieve it?
Reply

Photo of Card H.
Dec 28, 2015
This card usually arrives in the mail in 7 to 10 business days after approval. If 10 business days pass and you don’t receive your credit card, please call customer service at 1-800-527-4403 to see what's going on. Hope this helps.
18 Votes 32 14

Do you have to spend a certain amount each month with the card?
Reply

Photo of Card H.
Dec 28, 2015
No, this card doesn't have minimum spending requirements. Furthermore, it doesn't have an annual fee, so you won't have to pay anything if you do not carry a revolving balance. Best of luck!
10 Votes 24 14

How can I add an authorized user?
Reply

Photo of Card H.
Dec 28, 2015
You will need to call JC Penney's Credit Services at 1-800-542-0800 to add an authorized user. Also, you can find a great article on this topic at: cardhub.com/edu/authorized-user/ . Hope this helps. Best of luck!
9 Votes 17 8
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Customer Reviews

Share your insights and review the JCPenney Credit Card.

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3.3 out of 5

367 reviews
19%
17%
43%
12%
9%
Photo of Judi S.
Jul 11, 2016
This card (the JCP Mastercard through Synchrony Bank) doesn't have reliable statement services if you don't get paper. They don't alert you to a late payment, even when you were on autopay for years. They don't show any customer loyalty. The lower credit limits without cause or explanation, or even notification. And customer service is just like most online services. It is made up of automatons that give the party line without actually answering any questions or solving any issues. All in all, worst choice in credit cards I've ever made.
Photo of William B.
Jul 9, 2016
I can't believe anyone with a good credit score (765) would accept a credit card with 26.99% APR. I just got mine in the mail and canceled it. You can get better term at a payday loan store. To offer this kind of apr is criminal.
Photo of Yesenia F.
May 14, 2016
My account was closed without notice this month. I was a JCpenney customer for 5 years and was also on time with payment whenever I had a balance. This year their system started having problems and my payments were returned twice, thus they proceed to close my account. Take in consideration I had the same checking account to make online payment since the very first day I became a jcpenney credit card holder. I'm so disappointing about this matter as I was such a faithful customer. They do not care about their customers, because not even one time did they mentioned about closing the account in the future due to more
Photo of Rebecca S.
Apr 1, 2016
Their online options are severely lacking. Resetting the password is irritating enough. But once you're able to get into the account you're kicked out for "Inactivity" after maybe 30 seconds of you not clicking some button. I was kicked out around 5 times in a matter of 5 minutes while I was attempting to make a payment. From that type of system I would assume that they do not care to have my money. I paid off my card, and that will be the last time I'm using it.
Photo of Amy S.
Feb 3, 2016
The website was difficult to register and pay my statement. I thought no problem and called the 800 number. That was a mistake. The automated menu is slow and keeps asking questions and repeats. It also states you can only pay with a checking account. I hung up to go dig out my check book and had to go through the tedious voice menu again. It kept repeating and has no option to speak to a human. Finally I said representative and was on hold for almost 20 minutes. By then I just asked for my balance to pay it off and close the account. Then the rep said that more
Photo of Aisha C.
Jan 18, 2016
When you first open a credit card with JcPenney in store, the cashier gives you a huge discount, depending what coupons are online-the discount they offer is always more. The discount ranges from 15% plus $10 to 35% off and not only can you get the discount for that purchase, but for the whole 24 hours. You can shop at Jcp.com, at Sephora, JCP Salon, and even use it at the Rite Aid!!! As a Jcp cardholder I get more benefits compared to one who doesn't and only has a rewards card. One is when it comes to purchasing over $100 in a month. $1 equals 1 point and basically more
Photo of Shannon T.
Jan 10, 2016
I bought a shirt for $16 then was charged a late fee of $18 for being 4 days late. I paid the 16 but refused to pay the late fee and was then charged an additional $18. My $16 shirt now cost $54. Horrible fee schedule: 225% over the cost of the item!
Photo of Meg T.
Jan 12, 2016
Im going to call them. I received a $35 late fee for paying 4 hours late. there used to be a 5-10 day grace period after the due date. Not anymore!
Photo of Jessica L.
Dec 30, 2015
I like that when I use this card online or in the store, I receive points. I've had the card for about 7 months. The application process was very easy and I was approved on the spot and received a good discount (20%) on the purchase I was making at the time. I do feel that the interest is a bit high compared to other normal cards, but the minimum payment is very low. So far I have not had any problems with their customer service. I think their online banking site design is somewhat archaic compared to the larger banks like Bank of America, Discover, and especially American Express. more
Photo of CJ N.
Dec 26, 2015
NEGATIVES: Too many fees and too high interest rate. POSITIVES: Good limit on my credit $2,500.00 and I have had this card for years and never had an issue with processing payments, I don't use the online payments because they charge a processing fee. I have always paid with money orders through the mail. Overall they are terrible for people that can afford to carry this card.
Photo of Tasha H.
Dec 22, 2015
25 dollars was due, paid 100. Money was taken from the account and never return. They claim it was the incorrect bank account and they never received the payment. They refused to look into it, refused to answer any questions pertaining to what they would show up on our statement or what city their base payment center is etc so we could ensure it was them who took it out, then refused to close the account. Then charge over 100 dollars in late fees and interest on the 100 dollars they took from our account in spite of 100% on time payments that were paid even higher than the minimum more
Photo of Nicole F.
Dec 17, 2015
JCP is charging me a monthly interest on purchases. OMG and its customer service is the worst. I am so closing this account.
Photo of Amy S.
Feb 3, 2016
I closed mine and am so glad I did.
Photo of Roberto S.
Nov 4, 2015
Highest interest rate of all credit cards I've applied for, I cancelled it. Discover has a low interest rate and you can use it every where and do balance transfers, not with JC card. Do yourself a favor and stay away from this card. If you're active duty military or Veteran I recommend the USAA VISA CARD no frills, low as 6.9 interest rate.
Photo of Jennifer R.
Oct 31, 2015
The JC Penny credit card has its pros and cons. If you are brand loyal to this company and pay your card statement off each month, there may be a great incentive to apply for this card. No annual rate is great and fraud protection is important.
Unfortunately the interest rate is outrageous as with most department store credit lines. Having earned points expire at the end of each month is also a huge turn-off for me.
Photo of Laureen E.
Oct 7, 2015
26.99%!!!!!! poor rewards. enough said!!!!
Photo of Mary F.
Oct 1, 2015
JCPenny charges a $5 Convenience Fee each month for online or phone payments. This includes when you set up and make recurring payments. I have never had card I have charge a fee for recurring payments. I will be finding somewhere else to buy our clothes from! I have very good credit, so I don't need this kind of scam.
Photo of Laureen E.
Oct 7, 2015
they do not charge me a convenience fee and I pay online every month. however, their ridiculous interest rate of 26.99% on their store credit card is the reason I am doing a balance transfer & ridding myself of this card!
Photo of Roberto S.
Nov 4, 2015
Yes, I cancelled. I also did a transfer. Sooner or later people will notice what a bunch of crooks.
Photo of Meg T.
Jan 12, 2016
and this is why they are closing a bunch of stores!!
Photo of Matthew H.
Sep 25, 2015
This credit card is okay. It's a typical store credit card. It was easy to pay off in store but, naturally, the interest was fairly high. I just used it to get the discount on a big purchase and then paid it off and cancelled it. I no longer use it and have already cut it up.
Photo of Denise M.
Aug 10, 2015
This credit card is good for the basic necessities or when your really in need of something. You need to be on time when paying the bill, if not earlier because they will charge a late fee immediately.. sometimes before your bill is even due!! Dont count on the rewards unless you're planning on spending a boat load of money here. I guess the 15% discount comes in handy when I shop for Christmas, but other than that I wouldn't recommend this card.
Photo of Daniel E.
Aug 5, 2015
Like many of these cards that are store based, they don't really offer anything good unless you job at that store enough to justify getting this card. The point system is alright if you spend enough at JCPenney, otherwise, get another card for general use. The points expire at the end of the month, which is average and makes it so that the card is really only that useful if the shopper spends a lot of money here. I personally wouldn't recommend this card unless you're a frequent shopper at JCPenney.
Photo of Kyle C.
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.
Photo of Laureen E.
Oct 7, 2015
reasonable interest rate?! You better check again!! 26.99% IS NOT reasonable!!
Photo of Wayne M.
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
Photo of Oralia G.
Nov 20, 2015
I decided to cancel my JCP because of poor customer service, for me personally customer service is really important and and their agents are rude and give you attitude just for asking questions, so I closed my account plus the coupons are not even worth it, at KOHLS i can use stack my coupons and save more just saying.
Photo of Arezoo E.
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.
Photo of Oralia G.
Nov 20, 2015
I got charged a $35 dollar fee :( lost my card and dont plan to bother even looking for it.
Photo of Clarissa L.
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
Photo of Lori M.
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!
Photo of Denise T.
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.
Photo of Wayne R.
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?
Photo of Barb S.
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.
Photo of Haley B.
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
Photo of Pat H.
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 $1 you spend you get 1 point. In addition you get all kinds of discounts when you use your card. The best things about this card is that you have a 0 percent intro rate for 12 months. This will come in handy at Christmas time when your list gets long.
Photo of Sonal G.
Apr 7, 2015
This is an awesome store credit card to start out with especially if you want to build credit. I have had this card for 4-5 years and I love the perks you get with it. I did have a small problem with billing because I didn't receive a bill but I had a small balance on it of under 10$. 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
Photo of Sabrina M.
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
Photo of Lauren B.
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
Photo of Tim D.
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!
Photo of Ian G.
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.
Photo of Chelsea H.
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
Photo of Jarett C.
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
Photo of Kristin M.
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
Photo of Dustin P.
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!
Photo of Ace R.
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.
Photo of Prince C.
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
Photo of Julie B.
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!
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Last updated on: Sep 20th, 2016 at 7:57 EDT

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