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JCPenney Credit Card Review

JCPenney Credit Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Exelent/Good/Fair Credit
Card Rating:
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


  • Get a $10 Reward* for 200 points earned.9
  • Enjoy a special gift on your special day.9
  • Earn rewards 2X faster! $1 spent= 1 point** with your JCPenney Credit Card. $2 spent= 1 point** with any other method of payment.9
  • Earn up to 2,000 points on a single purchase.9


Max. Rewards: $2 spent= 1 point** with any other method of payment.9
Sign-up Bonus: No bonus offer9


Purchase Intro APR: No intro APR9
Purchase Regular APR: 27.74%9
Cash Advance Fee: N/A9
Cash Advance Regular APR: N/A9
Balance Transfer Intro APR: N/A9
Balance Transfer Regular APR: N/A9
Balance Transfer Fee: N/A9
Annual Fee: N/A9

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.

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