Credit Cards » Credit Card Reviews » JCPenney Credit Card Review (2024)
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JCPenney Credit Card Review (2024)

The JCPenney credit card is disappointing since it can't be used outside specific brands. But, it has some benefits for JCPenney customers.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

JCPenney Credit Card

jcpenney credit card

Rewards Plan

5% 1 point for every dollar at JCPenney, 200 points worth $10 -> $10 per $200 spend on JCPenney = 5% back

Welcome Bonus

Extra 5% – 35% off Extra 5% – 35% off on selected merchants in the first purchase on the same day the card has been opened

Credit Rating

Fair – Good

0% Intro

N/A

Annual Fee

$0

APR

30.24%
JCPenney Credit Card

jcpenney credit card

Rewards Plan

5% 1 point for every dollar at JCPenney, 200 points worth $10 -> $10 per $200 spend on JCPenney = 5% back

Welcome Bonus

Extra 5% – 35% off Extra 5% – 35% off on selected merchants in the first purchase on the same day the card has been opened

0% Intro

N/A

PROS

CONS

APR

30.24%

Annual Fee

$0

Balance Transfer Fee

N/A

Credit Requirements

Fair - Good

The JCPenney credit card could be an appealing option if you regularly shop with the brand and want to increase the member rewards points that you earn with each purchase. In addition to earning double points, there are some other nice card holder perks that are likely to appeal to avid JCPenney shoppers. With a little forward planning, you can maximize your discounts and offers for the greatest value.

However, it is important to note that there are some limitations and restrictions including that the card can only be used at limited vendors and that you can only redeem your rewards for certificates to be used in store or at JCPenney online.

So, if you are looking for a card that offers the highest rewards or more flexibility, this is not the card for you. But, if you are happy with these compromises, this card is worth serious consideration.

  • High Cash Back On JCPenney
  • Access to Special Financing Orders
  • Special Savings Days and Exclusive Coupons
  • First Purchase Discount
  • Birthday Offer
  • Can Only Be Used at JCPenney
  • Low Rewards Overall
  • Rewards Certificates Expire

How hard is it to get a JCPenney credit card?

If you have fair to good credit, you shouldn’t find it difficult to qualify for the JCPenney credit card.

In fact, if you have a good credit profile and meet a higher requirement standard, you may be offered the JCPenney Mastercard. This offers similar benefits, but the card can be used elsewhere as you would with a standard Mastercard.

Can I get pre-approved?

There is no option online for pre approval, but you may receive a pre approval mailer or marketing material.

When it may not be a good idea?

This card may not be a good idea for you if you are not a regular shopper at JCPenney. If JCPenney is not your go-to store, you may receive more generous rewards with another rewards credit card, which will allow you to earn rewards almost anywhere that you shop.

This will also provide you with greater flexibility to redeem your accumulated rewards including gift cards, merchandise, statement credit and more.

In this Review

Estimating Your Rewards: A Practical Simulation

This table is a simulation of rewards that illustrates how using the JCPenney Credit Card could potentially benefit you. It outlines the rewards you may earn based on your typical spending habits in different categories.

It's essential to note that these figures are estimates, and your actual rewards may differ based on your unique spending patterns and other factors. However, this table can provide you with insights into the potential benefits of the card.

jcpenney credit card

Spend Per Category
JCPenney Credit Card
$7,000 – U.S Supermarkets
/
$3,000 – JCPenney
$150
$3,000 – Restaurants
/
$4,000 – Airline
/
$4,000 – Hotels
/
$4,000 – Gas
/
Estimated Annual Cash Back
$150

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Pros and Cons

Just like any other credit card, the JCPenney Credit Card has some advantages and disadvantages:

Pros
Cons
High Cash Back On JCPenney
Can Only Be Used at JCPenney
Access to Special Financing Orders
Low Rewards Overall
Special Savings Days and Exclusive Coupons
Rewards Certificates Expire
First Purchase Discount
Birthday Offer

Cardholders receive 1 point for every dollar at JCPenney, 200 points worth $10 -> $10 per $200 spend on JCPenney = 5% back .

As a card holder, you may qualify for special financing offers on certain purchases such as mattresses, furniture and major appliances. These offers may include financing for six to 60 months, but it is important to note that there is a difference between “No Interest if Paid in Full Within” and “No Interest.”

No interest means that you won’t pay interest until after the end of the promotional period (Similar to how 0% cards work). In contrast “No Interest if Paid in Full Within” means that you’re deferring interest for the promotion period. It is applied to your bill if you don’t pay off the purchase in full before the end of the promotion.

Card holders can receive deeper discounts compared to the regular rewards members receive on special savings days. There are typically 150 or more credit savings days that are just for holders of the JCPenney credit card.

If your birthday is on file, you have used your card at least once in the last 12 months and your account is in good standing, you’ll receive a special birthday offer.

The card is only usable at JCPenney stores, JCPenney.com, Rite Aid and Sephora inside JCPenney stores. Currently, you cannot use the card for purchases at stand alone Sephora locations. This severely limits the usability of the card.

Besides the rewards on JCPenney, you won'e be able to earn rewards on specific categories such as travel, dining or everyday purchases as you can do with other rewards cards.

Once you’ve earned your certificate, you should note that each one has an expiry date printed on it. So, while your points do not expire, you need to watch carefully for certificate expirations.

The current online application offer provides a first purchase discount depending on the purchase category. This offer is available in a variety of departments including apparel, jewelry, furniture, salon products, electronics and major appliances.

The current offer also provides a $10 coupon if you don’t receive a credit decision immediately and are approved later.

Who is the JCPenney Card Best For?

Since this is a co-branded card, it is obviously best suited to those who are highly brand loyal to JCPenney.  If you’re already a JCPenney Member, you are likely to already be used to getting one point for every two dollars that you spend. So, with this card, you’ll be getting double rewards. This along with the other card perks including exclusive coupons and special savings days are likely to appeal to you.

The card could also be a good option for you if you like shopping at JCPenney, but are worried about the temptation of a credit card that could be used anywhere. Since the card has restricted usage, you won’t be able to run up a bill with other vendors.

If you are looking for an alternative co-branded, clothing store card – here are some options:

Card
Rewards
Bonus
Annual Fee

American Eagle Credit Card review

30X – 40X 15 points Instant for cardmembers. 30 points per dollar spent at American Eagle, 20 points if you spend more than $350 annually
30% off your first order
$0

macy amex card

2X – 5X spend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else
25% discount 25% discount on Macy's on the day you are approved and the following day, up to $100
$0

sears credit card

1% – 5% 5% back on Sears + 5% eligible gasoline purchases, 3% back on grocery stores and restaurants (limited to the first $10,000 of qualifying payments, then 1% thereafter), plus 2% back when used at eligible merchants such as Sears or Kmart, and 1% on all other purchases
None
$0

Kohl's Capital One Credit Card

7.5% 7.5% cash back on Kohl’s purchases
%35 off on first purchase 35% off on the first Kohl’s Card purchase you make within 14 days of opening your Kohl’s Card
$0

Banana Republic Credit Card

1X – 5X 5 points for every dollar spent at Banana Republic, Gap, Athleta and Old Navy. 1 point per dollar on all other purchases
20% off your first order 20% off your first order at Banana Republic
$0

Victoria's Secret Credit Card

1% – 5% 5% (10 points) back in rewards at Victoria Secret or PINK, 2% (4 points) on dining, travel and streaming services and 1% (2 points) on all other purchases
$25 $25 off in first purchase
$0

Nordstrom Rewards Visa

1x – 2x 2X points per dollar spent at Nordstrom and its brands, including Nordstrom Rack, and 1X points on all other purchases
$10 – $20 $10 Nordstrom Note for Members and Influencers. $20 Nordstrom Notefor Ambassadors and Icons.
$0

How To Maximize Card Benefits?

While this card is quite straightforward, there are some tips that can help you to get the most from it. These include:

While this card does offer a solid earning rate when you regularly shop at JCPenney.

However, if you spend over $2,000 in a single purchase, you won’t earn points above this level. So, consider your purchase amounts carefully to maximize your rewards.

Although the certificates are an easy way to use your accumulated rewards, there are some limitations.

For example, if you purchase an item with a certificate and subsequently return it, you won’t receive a refund of your rewards. Additionally, there is a maximum redemption of 10 certificates in any one transaction.

We touched on this above, but it is important to reiterate, there is a key difference in the financing terms. If you have a “no interest if paid in full within x months” deal, you need to make sure that the balance is fully cleared before the deadline.

Even if you only owe a few pennies from the original purchase, you will be charged interest for all of the months from the offer.

FAQs

There are no official income requirements for this card, but you do need to have fair to good credit to qualify. Although your income will be evaluated, it is not the only factor considered when making an approval decision.

You can redeem your JCPenney rewards online or  instore. If you’re shopping online, you can sign into your account to view your available rewards and redeem them.

In JCPenney store, you will need to provide your email address or phone number that is associated with your account and the associate will be able to access your available certificates. The conversion rate is fixed at 200 points for a $10 certificate

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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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amex platinum

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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

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Amex Delta SkyMiles Platinum card

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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare JCPenney Credit Card

The Kohl's card cashback rate is higher than JCPenney, and both cards offer extra perks such as gifts, exclusive offers, and special coupons.

Kohl’s Charge Card by Capital One vs. JCPenney Credit Card: How They Compare?

Since JCPenney Credit Card offers rewards only on its brand store, the Nordstrom Credit Card takes the lead with higher annual cashback value.

Nordstrom vs. JCPenney Credit Card: Which Gives You The Most Value?

The Macy's Credit Card is a clear winner with higher points rewards ratio and overall cashback value for the same spend than JCPenney Card.

Macy’s vs. JCPenney Credit Card: Which Gives You The Most Value?

The target RedCard is our clear winner, with a higher cash-back rate and estimated annual value. Here's what you can get with each card.

JCPenney Credit Card vs Target Red Card: How They Compare?

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

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2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.