JCPenney Rewards: Benefits, Status, & Point Calculators

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

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 benefits

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.

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 Red (Cardholder)

JCPenney Red is obtained once you become a JCPenney Credit Cardholder. Non-cardholders will not be able to reach this status, Gold or Platinum without having their credit card.

JCPenney Red offers exclusive benefits and 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 the JCPenney 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 credit cards

JCPenney offers one co-branded credit card that allows you to earn JCPenney points at 2X the speed of non-Cardmembers. The card also grants access to the full JCPenney Rewards program. Without it, you will not be able to obtain JCPenney Gold or JCPenney Platinum status.

Input your monthly or yearly spend into our JCPenney Rewards calculator to find out how many points you can earn and the value of those points. Plus, compare the results side by side up to two credit cards featured on the site.

JCPenney Credit Card
JCPenney Credit Card
Benefits & JCPenney Point Calculator

Other Great Cards For JCPenney

If you don't shop at JCPenney enough to justify the JCPenney Credit Card, but you still want to earn an excellent return on your spending, there's a handful of great alternatives you can use. Listed below are a few the best cards for general puchases.

Best For 3% Back On Online Shopping
Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
Annual Fee: $0
Rewards Rate
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
Earn unlimited 1% on all other purchases.
$200 Back
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Best For 2X Flexible Travel Rewards
Annual Fee: $95
Rewards Rate
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Earn unlimited 2X miles on every purchase, every day
75,000 Miles
New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening
Best For 2% Back On All Purchases
Annual Fee: $0
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
$200 Cash Back
For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

How much are JCPenney points worth?

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.

Convert JCPenney points to dollars

Use the JCPenney Points Value Calculator to determine the cash value of JCPenney Points and how many $10 rewards certificate you can earn.

Enter any amount of JCPenney points to see the average cash value.
Redemption Average Dollar Value
# of $10 Rewards
200 Points
0 Reward Certificates
Points Value
5 Cent Each