JCPenney Credit Card Review
Card Category: |
Consumer |
Card Type: |
Unsecured |
Credit Needed: |
Excellent/Good/Fair Credit |
Card Rating: |
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JCPenney Credit Cards are a part of any budget-savvy individual's anchor in the contemporary suburban malls where they can be used at three different stores. The fact that the card can be used in a plethora of JCPenney outlets across the US means that everyone has a chance of winning a lot after a month of shopping. The cards are acceptable when making all types of catalog purchases, besides all forms of purchases made online. On top of that, any CVS Pharmacy and Rite Aid Pharmacy in the US offers points when a person shops there using the card.
JCPenney Credit Card Details
CARD DESCRIPTION:
- Earn points for every qualifying purchase - get a $10 reward for every 200 points earned. $comm_9 = "yes"; ?>
- Earn 1 point per $1 spent on JCPenney purchases. $comm_9 = "yes"; ?>
AVAILABLE REWARDS
Max. Rewards: |
For every qualifying purchase, $1 spent = 1 point with your JCPenney Credit Card. $comm_9 = "yes"; ?> |
Sign-up Bonus: |
Earn points for every qualifying purchase - get a $10 reward for every 200 points earned. $comm_9 = "yes"; ?> |
RATES & FEES
Purchase Intro APR: |
No intro APR $comm_9 = "yes"; ?> |
Purchase Regular APR: |
31.24% $comm_9 = "yes"; ?> |
Cash Advance Fee: |
See terms $comm_9 = "yes"; ?> |
Cash Advance Regular APR: |
See terms $comm_9 = "yes"; ?> |
Balance Transfer Intro APR: |
See terms $comm_9 = "yes"; ?> |
Balance Transfer Regular APR: |
See terms $comm_9 = "yes"; ?> |
Balance Transfer Fee: |
See terms $comm_9 = "yes"; ?> |
Annual Fee: |
$0 $comm_9 = "yes"; ?> |
JCPenney Credit Card Benefits
All customers will earn points for every dollar spent at every qualifying location. And, upon reaching 200 points in a month, they can claim a $10 reward. The whole idea is blissful owing to how simplistic it looks and the variety of rewards to be claimed. In addition to the points rewards, customers can save 15% on select apparel, shoes, accessories, furniture and on some other purchases, or customers can choose to save 5% on electronics and some other devices.
JCPenney Credit Card Drawbacks
Most of the JCPenney discounts cannot be combined together. Thus, customers won't be able to combine the 15% offer with the 5% off. The JCPenney rewards can only be used for purchases at JCPenney, customers won't be able to redeem points for cash or use outside JCPenney locations. The JCPenney credit card comes with rather high interest rate and low credit limit. If a customer has good credit history, he or she may qualify for a higher credit limit, but the interest rate will never be lowered. Customers with poor credit and those with excellent credit will get the same high interest rate.
Contact Information
TELEPHONE
1-800-542-0800
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