The JCPenney Credit Card does not have a network attached to it (Visa, Mastercard, etc.), so you will not be able to use this card outside of spending in-store or online with JCPenney.
Key Cardholder Benefits
- Special Financing Offers: Receive between 6 to 30 months on large JCPenney purchases.
- JCPenney Rewards Full Access: You'll be able to obtain JCPenney Gold and JCPenney Platinum status as a cardholder.
The JCPenney Credit Card has a $0 annual fee.
JCPenney Points Calculator
Use the rewards calculator to calculate how many rewards you can earn based on how much you spend across different categories. Compare the results side by side up to 2 credit cards to find out which cards are best for you.
Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.