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JCPenney Credit Card

JCPenney Credit Card


Rated 2/5 stars by our editorial team

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  • APR 26.99%
  • Annual Fee $0
  • Signup Bonus Save up to 15% and free standard shipping on your first online purchase when you open a new JCPenney credit card account


  • Click "APPLY NOW" to apply online
  • Receive reward points with qualifying purchases.  Earn 100 points or more in a month and get one $10 JCPenney Reward
  • Bonus points opportunities
  • Special savings events during the year

Expert Reviews

From the Editorial Team

With this card you can charge your purchases at JCPenney stores and also earn credit toward future purchases and other perks.

Expert Reviews of the JCPenney Credit Card

  • 1.0

    Regular APR

  • 0.0

    Intro APR

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  • 2.0


  • star rating 2.0/5

    Overall Rating

The Bottom Line

Earning rewards you can apply to future purchases is always nice. But the interest rate for carrying a balance on this card is very high and may undercut the value of its various perks.

The Good

Cardholders earn one JCPenney rewards point for every $1 spent on qualifying purchases at JCPenney Stores, and once you earn 100 points in a calendar month, you will be eligible to receive a $10 JCPenney Rewards certificate. You can earn up to 10 rewards per month and are also eligible for special bonus points opportunities and periodic sales and savings events.
There are also Gold and Platinum levels for those who are rather big spenders, and when you reach those status levels you qualify for additional perks like a birthday gift, promotional financing, or the Platinum-level chance at free shipping.

The Not So Good

The APR is 26.99%, which is extraordinarily high compared to many charge cards and credit cards from other stores or credit card companies.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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