The JCPenney Credit Card is a great option for anyone looking to earn an easy 5% return shopping at in-store and online with JCPenney. Along with earning a solid return on JCPenney spend, you'll also be able to partake in the full JCPenney Rewards program which offers lots of coupons, bonus points, and other perks. This card is only usable at in-store at or online at JCP.com. You can also use this JCPenney Card at stores that may be inside of JCPenney such as Sephora.
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Rewards Rate Details
The JCPenney Credit Card features one bonus category and that's for purchases made with JCPenney either in-store or online. While there is no limit to the amount of points you can earn with the card overall, there is a 2,000-point earning cap on a single transaction. So if you plan on making a $2,000 or more transaction, I recommend breaking it up if you want to earn all of your JCPenney Rewards Points.
- 1x JCPenney
- Applies to in-store and online purchases with JCPenney.
- Purchases made at retailers within JCPenney stores are also eligible (such as Sephora's located in-store).
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.
Perks & Benefits
The JCPenney Credit Card features the standard benefits you'll find on most retail store cards which includes special financing options, exclusive coupons, and more.
- 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.
Rewards Calculator
You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.
Credit Card
Currency Worth
Card 1 Card 2Loyalty & Memberships
Card 1 Card 2Category Spending
Card 1 Card 2Reward Bonuses
Card 1 Card 2Subtotal
Card 1 Card 2Monetary Bonuses
Card 1 Card 2Annual Fees
Card 1 Card 2Grand Total
Card 1 Card 2
- No annual fee
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
- Contactless Cards - The security of a chip card, with the convenience of a tap
