JCPenney Credit Card and Target Red Card are two retail credit cards that cater to different stores, each offering distinct advantages. Let's compare them side by side:
General Comparison
The JCPenney Credit Card is just for JCPenney shops – when you use it, you earn points for every purchase. These points can be used to get discounts when you shop at JCPenney next time. Also, you might get cool deals, special financing options, and exclusive discounts.
Now, the Target Red Card is a bit different. When you use it at Target, you get a 5% discount on almost everything you buy, whether you're in the store or shopping online and also cashabcl on ,ore categories such as gas and dining.. And if you're someone who prefers shopping from home, the card gives you free shipping for your online orders. It's like a nice bonus for people who like to shop without leaving their couch.
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JCPenney vs. Target Cashback: Which Card Gives More?
Based on our analysis, Target will drive its cardholders much more cashback than JCPenney's credit card. Unlike JCPenney, Target card offers cashback on a variety of categories. besides Target, makes it a preferred choice among the cards with much higher estimated annual cashback:
|
| |
|---|---|---|
Spend Per Category | Target RedCard Credit Card | JCPenney Credit Card |
$15,000 – U.S Supermarkets | $750 | / |
$5,000 – JCPenney | $50 | $250 |
$5,000 – Restaurants | $100 | / |
$4,000 – Travel
| $40 | / |
$4,000 – Gas | $80 | / |
Estimated Annual Cashback | $970 | $250 |
* Assuming all supermarkets made via Target
Additional Retail Shopping Benefits: Comparison
When it comes to extra benefits, both cards offer retail shopping benefits for cardholders. here's what you can get with each card:
Target RedCard Credit Card
Swift Shipping Convenience: Experience the ease of rapid delivery with complimentary 2-day shipping on a wide array of items when making purchases on Target.com.
Exclusive RedCard Offers: Access special products and exclusive deals reserved solely for RedCard holders, elevating your shopping experience with distinctive advantages.
Extended Return Period: Enjoy an additional 30 days for returns and exchanges at Target, offering flexibility and peace of mind for your purchases.
Starbucks Savings: Trim 5% off your expenses at any in-store Starbucks location by utilizing your Target Red Card, providing an additional perk for aficionados of quality coffee.
Savings on Specialty Gift Cards: Garner a 5% discount on specialty gift cards encompassing travel, restaurants, movie tickets, and more, enabling savings on a diverse range of experiences and purchases extending beyond the confines of Target.
JCPenney Credit Card
- Birthday Gift: JCPenney Credit Card holders receive a special gift to celebrate their birthdays.
- Special Savings Days: Cardholders enjoy exclusive savings on designated days throughout the year.
- Special Financing: The credit card offers special financing options for certain purchases.
- Passbook of Coupons: Members receive a passbook containing coupons for additional discounts.
- Unique Offers for Top Members: Exclusive offers and benefits are provided to the top-tier members of the JCPenney Credit Card program.
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Compare The Alternatives
If you're looking for a store credit card with great rewards for online shopping – there are some good alternatives you may want to consider:
|
|
| |
|---|---|---|---|
Costco Anywhere Visa® Card by Citi | Apple Credit Card | Sam's Club® Mastercard® | |
Annual Fee | $0 ($60 Costco membership fee required) | $0
| $0 ($50/$110 for Club/Plus membership – MUST)
|
Rewards |
1-4%
4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
| 1% – 3%
3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
|
1-5%
5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
|
Welcome bonus |
None
None
| N/A |
None
$30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
|
Foreign Transaction Fee | $0
| $0 | N/A
|
Purchase APR | 20.49% (Variable)
| 15.99% – 26.99% Variable
| 20.40% or 28.40% Variable
|
Compare Target Red Card
While Target RedCard offers a less attractive cashback rewards ratio than Amazon, it still may be a better option for some. Let's compare.
If you focus on groceries – the Target RedCard wins, but if you focus on travel or gas – you may want the Costco credit card.
Target Red Card vs. Costco Anywhere Visa Card: How They Compare?
If you do all your grocery and fuel shopping at either Target or Sam's Club, the cashback you get from both credit cards is pretty similar.
The Target RedCard is our winner especially if you focus on groceries and dining, with much better cashback rates than Macy's Credit Card.
Target Red Card vs. Macy's Credit Card: What Store Card Offers The Highest Rewards?
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?
