JCPenney Rewards Overview
- Earn Points with Every Purchase: JCPenney Rewards members earn 1 point per $1 spent, while JCPenney credit cardholders enjoy an enhanced earning rate of 1.5 points per $1.
- Point Cap: JCPenney members can earn up to a Point Maximum of 2,000 points in a single transaction, regardless of transaction amount.
- Easy Rewards Conversion: For every 200 points earned, you'll automatically receive a $10 JCPenney CashPass Reward certificate.
- Great Value: Points are worth 5 cents each, turning your everyday shopping into valuable rewards.
JCPenney Credit Card Points Calculators
JCPenney offers two credit card options: the standard JCPenney Card, which earns points on in-store and online purchases, and the JCPenney Mastercard, which also earns points on purchases outside JCPenney.
For frequent JCPenney shoppers, this card is a standout choice, delivering an impressive 7.5% return on your JCPenney purchases—an unbeatable value compared to most other cards. However, to maximize your rewards, it’s crucial to pay off your balance in full each month to avoid high interest charges that could offset your savings.
Learn more about JCPenney credit cards and use our rewards calculator to calculate how many points you will earn based on your monthly spend and the value of those points. Compare the results side-by-side other credit cards featured on the site.
