JCPenney Rewards | Program Overview & Rewards Calculator

JCPenney Rewards

Learn the details of the JCPenney Rewards Program, calculate the value of reward points, and calculate the cash value of the JCPenney Credit Card.

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Program Details

JCPenney is an American department store chain headquartered in Plano, Texas. They have more than 850 locations across the United States including Puerto Rico. JCPenney stores are commonly found in shopping malls and generally house other retailers within their stores such as Sephora, Seattle's Best Coffee, and more.

JCPenney Rewards Calculators

The JCPenney Rewards program comes with a great amount of benefits for anyone that enjoys shopping at JCPenney stores. The program features a 4-tier rewards structure in which 3 of the 4 tiers are only obtainable to those who own the JCPenney Credit Card. Advancing to higher tiers will require you to run spend through their branded credit card. Regardless of whether you own the JCPenney Credit Card or not, you'll still be able to earn JCPenney Points in the program.

JCPenney Rewards Benefits

Each tier of the JCPenney Rewards Program unlocks new benefits. When you sign up for a free JCPenney Rewards account, you'll either start at the first tier or the second tier depending on whether or not you own the JCPenney Credit Card. JCPenney Gold and Platinum status must be re-earned every year. Card level status lasts for the remainder of the year it is earned and the entire following year. Listed below are the benefits that comes with each tier in the program.

JCPenney Rewards Member

You'll become a JCPenney Rewards Member if you sign up for an account without owning the JCPenney credit card. This level grants you the ability to earn JCPenney Points at the rate of 1 JCP Point per $2 spent meaning every $400 you spend will earn you a $10 reward.

As a member you'll receive a birthday gift annually on your birthday as long as you've earned points in the JCPenney Program within the last 12 months. You'll also receive access to bonus events which can net you some extra JCPenney Points.

JCPenney Cardholder (Red)

New JCPenney Credit Card members will start at the second tier in the program which includes the benefits of being a non-cardholders along with several additional benefits.

Once you obtain the JCPenney Credit Card, you'll earn points two times as fast.

As a JCPenney credit card holder, you will receive exclusive benefits as well as 150+ credit savings days. This all equates to a lot of percent-off and dollar-off coupons, special events that can earn you bonus points, and various promotions that non-cardholders will not have access to.

You'll also be able to partake in special financing when making purchases at JCPenney with the JCPenney Credit Card.

JCPenney Gold

JCPenney Gold is obtained by spending $500 or more with JCPenney on the JCPenney Credit Card during the calendar year. This card level comes with all the benefits of being a JCPenney Cardholder (Red level) along with one addition benefit which involves receiving a passbook of coupons. Within this passbook, you'll also find a 'Pick Your Own Sale Day' coupon which can be very useful if you plan on making a big purchase in-store or online with JCPenney.

JCPenney Platinum

JCPenney Platinum is the highest card status in the program and it is earned by spending $1,000 or more with JCPenney using the JCPenney Credit Card. With this level, you'll receive the benefits offered at all other tiers along with Sephora Bonus Points Days which earns you bonus JCPenney Points shopping at Sephora's inside JCPenney or on and Platinum Appreciation which gives Platinum members exclusive to sales/promotions.

JCPenney Points Value Calculator

Every 200 JCPenney Points you earn will be redeemable for a $10 reward with JCPenney. This makes points in the JCPenney Rewards Program worth 5 cents each which is pretty high compared to most store rewards programs. The JCPenney Points Calculator listed below will calculate the cash value of your JCPenney Points as well as output how many $10 rewards certificate you can earn with the amount of points specified.

JCPenney Points Value Calculator
# of $10 Rewards
200 Points
0 Reward Certificates
Points Value
5 Cent Each

Credit Card Rewards Calculators

The JCPenney Credit Card, offered by Synchrony Bank, is JCPenney's primary rewards credit card. Using the card for JCPenney purchases will allow you to earn a full point per $1 spent versus the 0.5 point per $1 you would earn spending with JCPenney as a non-card member. Having the card also gives you access to the better benefits of the JCPenney Rewards program and allows you to obtain Gold and Platinum status based on how much you spend on the card.

Apparently the JCPenney Mastercard exists, but the details on the card is impossible to find and those who own the card only exists in the shadows.

JCPenney Store Card
Compare credit cards side by side based on spend, benefits and fees.

You can click on the JCPenney credit card below to learn about the bonus categories, perks & benefits, standard sign up bonus, and fees of the card. The JCPenney credit card also has it's own rewards calculator. The calculator will calculate how many JCPenney Points you can earn and the cash value of the credit card based on your monthly/yearly spend, how much each card benefit is worth to you, and the fees of the card. You can compare the results side by side any credit card featured on the site. Any spend you enter into the JCPenney credit card calculator will carry over to all credit card calculators on the site, so there's no need to re-enter spend when jumping page to page.

Comparison Calculators

Comparison Calculators features side by side comparisons of frequently compared credit cards or comparisons requested through our YouTube channel. These calculators are already set up so you can immediately start calculating total rewards as well as the cash value of the compared cards based on your monthly/yearly spend, how much the card benefits are worth to you, and the annual fees. Comparison Calculators does not allow you to change the designated cards being compared. If you want to compare credit cards outside of the comparisons listed below, I recommend searching for the credit card you want to compare and then using its calculator to compare it against anything featured on the site.

Online Portals +

If you want to earn points, miles, and cash back on top of the rewards you'll normally earn shopping online at JCPenney, you should heavily consider using online cash back and shopping rewards portals. Here's how online portals work:

  1. You find the store on the shopping portal of your choosing
  2. Click on that portal's affiliate link for that store
  3. You'll land on the store's normal home page to shop as normal
  4. Once you make a purchase, the shopping portal will be notified
  5. You'll earn cash back (or other rewards) with that online portal

Online portals are free to use and it's a win-win situation because you'll easily be able to double dip and triple dip on rewards. I've earned almost $2,000 using cash back portals over the past few years to booking travel and shopping online. Some of the top cash back portals on the market include:

I recommend that you always use a points/miles rewards portal or cash back portal when making purchases online.

rakuten jcpenney
Earn cash back through the portal along with the JCPenney Points you would normally earn with your purchase.

Guides, Deals, and Useful Links

Listed below are guides, deals, and useful links. Do note that some of the links listed may be external links meaning they will take you outside of The Point Calculator website. These are indicated by a new window symbol () and will open in a new window/tab. These links are updated as needed.

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Written By: Robert Flowers III

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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.

The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

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