The JCPenney Credit Card is issued by Synchrony Bank and comes in two versions: a standard JCPenney Credit Card and a JCPenney Mastercard®. The standard card can be used at JCPenney stores, jcp.com, Sephora stores inside JCPenney locations, sephora.com, and Rite Aid. The JCPenney Mastercard® can be used anywhere Mastercard is accepted, in addition to the same JCPenney and partner locations.
Both cards have a $0 annual fee , but they carry a high variable APR of 27.99% (fixed) for the standard card and 33.74% (variable) for the Mastercard, with a penalty APR of up to 39.99% if payments are late. The card offers a 1.5 points per dollar reward rate on qualifying purchases at JCPenney, with 200 points redeemable for a $10 CashPass Reward. For purchases made outside JCPenney using the Mastercard, cardholders earn 1 point for every $5 spent, equivalent to 1% cash back on qualifying purchases elsewhere.
Cardholders receive various benefits, including special financing offers on select purchases (e.g., furniture, mattresses, jewelry), exclusive coupons, over 150 special savings days annually, birthday offers, and a first-purchase discount of up to $125 off on qualifying items when applying for the card. The first-purchase discount applies to apparel, shoes, accessories, fine jewelry, home items, and other categories, but not all items are eligible. The discount is available from the date of approval through May 31, 2026.
The card is best suited for frequent JCPenney shoppers who can take advantage of rewards and financing offers, especially those with fair credit or higher. Approval is typically granted to applicants with a fair credit score or better. Cardholders can apply online via JCPenney’s Online Credit Center or in-store, with immediate decisions often provided. Payments can be made online, in-store, or by mail.
While the card offers a high reward value per point (each point is worth $0.05 due to the $10 reward per 200 points), the rewards are restricted to JCPenney purchases and expire within 45 days of issuance. The card’s high APR and limited redemption flexibility may make it less appealing for those who carry balances or prefer flexible rewards. For those seeking broader rewards, alternatives like the Chase Freedom Flex or Blue Cash Everyday cards may offer more value.
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I grew up in a family that was drowning in credit card debt and the unforgiving int rates, fees and all of that, which is why I stay tf away from credit cards. I’m 21 and a bunch of banks send me in the mail the option to apply for a credit card with them but I always ignore them.
At the checkout at JCPenney, the cashier said something about a 35% discount and I told her why not. My mind was somewhere entirely and it came back to reality when she gave me my receipt even tho I never made a payment so I asked why and she told me that I now have a 1.5k credit card limit at JCPENNEY.
Now I’m wondering if this card works the same way as BOA CD does where if you pay a minimum amount each month, you won’t get charge any fees. I usually pay in full each month but I forgot to do it once and they charged me. Idk much about how credit cards work tho. I have a 788 FICO score but I don’t what tf it means or what I can do with it.
I got the credit card 2 weeks ago or so, and I have no idea how to log in to pay for it. As far as I’m concerned this card didn’t come with a card number, or it has a misprint. It only has 18 digits and it’s formatted like:
XXXX-XXX-XXX-XXX-XXX-X-X
And the website requires 19 digits. Help pls
Alright, entirely my fault, I know, but this old lady told me I could save up money on today's purchase if I sign up for a card.. I didn't realize it'd be a credit card.
First of all not even sure like? What to do? I don't want this card. I don't even shop at JcPenny and I don't have a full time job yet/haven't worked a full year so I don't know my income and she told me to put 5000 and I got approved for $1500.
I got mid shoes for 25 dollars now but now what? I'm an 18 year old college student. Don't wanna pay monthly fees for this card... should I cancel it? Or would it hurt my score?