JCPenney (JCP) Credit Card Cash Value Calculator

JCPenney Credit Card

1X JCPenney
Extra Savings
Birthday Gift

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The JCPenney Credit Card is store card offered by Synchrony Bank. It earns double Member Reward Points over non-JCPenney cardholders. It comes with special financing offers, exclusive coupons and savings on the first purchase made with the JCPenney Credit Card just like any other typical store card. It provides a decent return on JCPenney purchases for anyone that shops at JCPenney and the card even works with a few other partners like Sephora and Rite Aid.

JCPenney Member Reward Points

Member Reward Points earned shopping at JCPenney are worth 5 cents each. Once you accumulate 200 points, you will earn a $10 certificate that can be used at JCPenney, or These certificates do have an expiration date so be sure to note that when receiving them. Reward Points earned will not expire as long as the account stays active which means that points must be earned at least once in a 12-month period.

Bonus Categories

The JCPenney Credit Card is not tied to a network, so it can only be used for purchases at JCPenney,, Sephora stores that are within JCPenney stores,, Rite Aid, and No more than 2,000 points can be earned in a single transaction, so I would recommend avoiding any transactions over $2,000 made with the card. It would be better to break them up to avoid the threshold. Other than that point maximum, there's no limit to the amount of JCPenney Member Reward Points you can earn.

1x JCPenney

Using the JCPenney Credit Card at JCPenney or will earn 1 reward point per $1 spent up to the point maximum of 2,000 points. Since 200 points are equal to a $10 certificate, you're looking at a 5% return on JCPenney purchases which is not bad at all. If you do a great deal of shopping at JCPenney and don't mind your rewards only being redeemable at JCPenney, this isn't a bad card to have. Just note that this card has a ridiculous APR of around 28% and if you don't pay your balance in full every month, the rewards you own on this card will not matter and they will bury you in interest.

0x Other

Since this card does not have network attached to it, you will not earn Reward Points outside of JCPenney stores and And while you have the ability to use it a few other stores, points will not be earned unless it's directly with JCPenney or the store is inside JCPenney (such as an in-store Sephora).

There is a Mastercard version of the JCPenney Credit Card but it's terms and conditions are hidden and it's given out after some mysterious criteria has been met. While I would take a guess that it would earn points outside of JCPenney, it's earning rates are not 100% clear at this time since it is not advertised.

Perks and Benefits

The JCPenney Credit Card features most of the standard perks you'll find with most retail store credit cards. Special financing, exclusive coupons, birthday gifts, and of course the first purchase discount (I count this as a sign up bonus). Below are the details of the perks & benefits of the JCPenney Credit Card.

Special Financing Offers

Using the JCPenney Credit Card for certain purchases will grant special financing. This can be for as little as 6 months and as long as 60 months (5 years). Special financing can be great for anyone looking to make a big purchase, but you should note that this card has a very high APR and you could easily be hit with fees for simpily missing a payment or not paying the full balance before the end of the promotional period (deferred financing). If you're reaching the end of your promo and know that you can't pay if off, don't let the interest consume you. Balance transfer it to another card such as the Discover IT Card, Citi Simplicity, or Citi Diamond. There are lots of choices to avoid paying high interest if you fail to meet the terms and condidtions of the promotion.

Exclusive Coupons

JCPenney Credit Card holders will receive exclusive coupons that have larger discounts than non-cardholders on 'Special Savings Days'. These coupons will be around 15%-20% off your purchase when you use your JCPenney Credit Card and will usually apply to certain categories (such as apparel, shoes, floor care, etc.) so be sure to read the fine print on the coupon.

Birthday Offer

JCPenney Credit Card members will also receive a special birthday offer if they have made at least 1 purchase in the last 12 months and the account is in good standing. The members's birthday must also be on file to receive this offer.

Sign Up Bonus

The JCPenney Credit Card sign up bonus is either 15% Off select apparel, shoes, accessories, fine jewlery, home and salon -OR- 5% off select major appliances and modern bride diamond vault items. This sign up bonus will slightly adjust time to time depending on the promotion, but this is the standard offer. It's tempting when they offer this at the time of checkout if you have a shopping-cart (in-store or online) full of items as it can easily save you a great deal of money.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

There is no annual fee for the JCPenney Credit Card. This means you will always earn a 5% return on JCPenney purchases.

Authorized User Fee

There is no fee associated with adding additional users to the JCPenney Credit Card.

Foreign Transaction Fee

There is no network assigned to the JCPenney Credit Card so international purchases will not be possible. It's not clear if the JCPenney Mastercard has a foreign transaction fee, but I would guess that it would considering most store cards do.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2018-11-28

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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