However, if you don’t pay off your balance in full within the promotional period, interest charges will be imposed on the starting balance at the APR for regular purchases retroactively from the date of purchase. Shoppers initially apply for the basic card and may be upgraded to the Mastercard if they qualify. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. Open JCPenney Credit Card Application Website and fill in your personal information. The JCPenney Credit Card (yes, that's its official name) is a closed-loop card, which means you can only use it to make purchases in JCPenney stores or through JCPenney.com. This site does not include all credit card companies or all available credit card offers. There is no annual fee for this card. Customers receive the most up-to-date terms and conditions in the mail when they receive their upgraded card and welcome packet. †† The opinions you read here come from our editorial team. Remember, you can only use this card at JCPenney (jcp.com, Sephora inside JCPenney, Sephora.com, and Rite Aid) unless you have the Mastercard version — which you can’t actually apply for, only be upgraded to. Skip login or registration and pay as a guest. This card has no annual fee. Home: Apply now: My account: Pay my bill: JCPenney Rewards : Card benefits: Gold & Platinum status: FAQs However, you’ll want to remember that this card can only be used at JCPenney (plus jcp.com, Sephora stores inside JCPenney stores, sephora.com, and Rite Aid), unless you get upgraded to the Mastercard version. Especially since 1:1 is not the best earnings ratio, when you consider many other rewards based credit cards offer bonus points in everyday spending categories like gas, dining, travel, etc. *Purchases subject to credit approval. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. He has had the account for many years. The JCPenney credit card isn’t a store card. With the JCPenney credit card, the variable APR on purchases is a high 27.49% (as of 12/19/2019). Of course, if you return a purchase the points are revoked. If you have a basic JCPenney card, you can’t use it anywhere besides JCPenney, jcp.com, Rite Aid, the Sephora stores inside JCPenney, and (most recently) online at Sephora. My credit card dates back to 1975!!! This representative stated he was able to access the terms and conditions within the employee portal, but could not send us the full file over chat at this time. The reward is applied before discounts so the value is less. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. I need help accessing bill on line. These “SALE” prices are likely what you’ll find as baseline prices for the same item elsewhere. While JCPenney and Synchrony don’t list the credit requirement for this card, most review websites report that applicants should be approved if they have a credit score of “fair” or better. For those of you who love to travel (or simply want to travel more than you do now), consider one of the most popular travel cards out there — the Chase Sapphire Preferred® Card. Or is a minimum that you have to spend on the card? The JCPenney credit card could be a strong pick for JCPenney frequent shoppers since it offers a strong (though roundabout) rewards rate on eligible JCPenney spending in stores and online. Disclaimer: Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. FREE shipping at jcp.com! You can also access your account here. Have failed to get on JCPenney.com to pay my bill. Cardholders will receive a special birthday offer if they meet certain conditions: their birth date is on file, they have used their card for at least 1 purchase in the last 12 months, and their account is in good standing. For each $1 spent on a qualifying purchase at JCPenney stores or jcp.comusing your JCPenney credit card account, you will receive 1 JCPenney Rewards point, up to the point maximum ($2,000). Lastly, it has been widely noted that JCPenney places a pretty high markup (as much as 30% by some reports) on their inventory in order to make sales more appealing to the consumer. Overview | JCPenney Credit Cards. Shop with your JCPenney Credit Card at any of these locations*: JCPenney, jcp salon, The Salon by InStyle, jcp.com, JCPenney Optical, Teleflora, Sephora inside JCPenney, JCPenney Portraits, Rite Aid. The card also tends to award lower limits than open-loop (usable anywhere) cards, with … So unless you’re an avid JCPenney shopper, you’re unlikely to rack up points quickly. JCPenney credit card holders are automatically enrolled in the JCPenney Rewards program upon approval. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Basic JCPenney Rewards members who do not hold a JCPenney credit card receive 1 point for every $2 spent, so cardholders are essentially earning double rewards at the 1:1 ratio. So, if you don’t stick strictly to JCPenney for shopping and/or you want some flexibility with the rewards you earn, this isn’t the right card for you. It’s pretty tough to tell if there are any…. Credit scores aren’t the only factor affecting an applicant’s eligibility for approval, though, as annual income and overall creditworthiness are important, too. Having a JCPenney Credit Card can make your department store shopping more worthwhile. Rewards points don’t expire as long as the member’s account stays active — meaning the cardholder must make a purchase/earn points at least once in a 12-month period. I recommend you call the phone number on the back of your credit card and speak to a customer service member. Most credit card offers require very good credit. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app. They assured me that they would fix the problem but have not done so. In this review, we’ll cover everything from benefits, fees, and drawbacks, to the application process, online account management, and more. Getting approved for a JCPenney Credit Card requires a little planning. **As mentioned earlier, there is no file accessible/available online for the terms and conditions of this card. Select any options you want to attach to the card. Earn 2x points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out. Note: If you are looking for rewards cards with a 0% Intro APR, we have reviewed several of them. JCPenney provides cardholders with 2 different platforms for managing their account: online and via their mobile app. Additionally, for JCPenney cardholders, rewards are included on their respective billing statement. Editorial Disclosure: The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. Receive $10 certificate per 200 points earned, Alternative Rewards Credit Cards (Our Recommendations), Online (Or App-Based) Login & Account Management. In terms of fees and drawbacks, the JCPenney credit cards have some big ones. However, unless you’re a regular JCPenney shopper, you may be better off with a regular secured credit card. **JCPENNEY REWARDS: JCPenney credit cardmembers are automatically enrolled in JCPenney Rewards and are eligible to earn rewards points on purchases made with their JCPenney credit card account. We’d be grateful for the clarification! You can attempt this JCPenney credit card login after any Bills Pay on the web. We are Upgraded Points, a blog specializing in credit card, points, and miles resources. Basic JCPenney Rewards members who do not hold a JCPenney credit card receive 1 point for every $2 spent, so cardholders are essentially earning double rewards at the 1:1 ratio. I had to spend $200.00 to receive this “gift”. If you can’t pay the balance in full, you should pay as much as you possibly can on time and pay off the rest as soon as possible. So if you’re not buying a sale item, are you really saving by earning rewards on that overpriced bedding set? Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. Just looking to make a payment? Save on your order today when you open and use a new JCPenney Credit Card, select original, regular and sale-priced apparel, shoes, accessories, fine jewelry, salon products, furniture, mattresses, home, & in-home custom design, electronics, small electrics, Modern Bride® Design Your Dream Ring, Smartwatches & Tempur-Pedic, Already a cardmember? JCPenney credit card given by Synchrony Bank is to incent and reward faithful customers, as such with beginning buy limits, expand profit in the JCPenney Rewards Program and unique special financing for enormous buys. In-store, rewards members can present a printed rewards certificate or show the certificate on their mobile app to redeem. You can apply in store or online by visiting our credit card application page. However, JCPenney credit card for Visa or MasterCard utilized anyplace these cards are acknowledged. The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. You can call Jcpenney at (800) 542-0800 toll free number, write an email, fill out a contact form on their website www.jcpenney.com, or write a letter to JCPenney, Inc, 6501 Legacy Drive, Plano, Texas, 75024, United States. JCPenney has 2 store-branded cards issued by Synchrony Bank: a basic credit card and a Mastercard. The rep also responded that there is currently no PDF or online file that relates this information; cardholders are simply mailed the information once they are upgraded to the Mastercard. Cardholders will receive even deeper discounts than regular rewards members on Special Savings Days. If you'd like to add a comment to this article and share your valuable feedback and opinions, please click here to leave your comment. The biggest monster you’re battling here is the ridiculously high APR. Plus, we list a couple alternative credit cards that are worth some serious consideration if you’re thinking about adding the JCPenney card to your wallet. There are a number of other excellent rewards-based cash-back credit cards out there that would likely earn you more in value than the cards offered by JCPenney, and certainly with lower APR’s initially. Get unlimited DoorDash deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, Good to Excellent Credit Recommended (670-850). Users can perform all the same tasks within the app that they would in the desktop/web platform: If you’re an avid JCPenney shopper, you could benefit from having this card in your wallet. Please consider leaving us a 5-star rating! Hot Tip: Do not confuse non-expiring points with rewards certificates — your rewards certificate will have a clearly printed expiration date. Always act as a responsible cardholder. Save time, manage your JCPenney Credit Card online with Synchrony Bank. Once a rewards member reaches 200 points, a $10 rewards certificate is issued. Now you can easily view your balance, pay your bill, and see offers just for JCPenney credit cardholders. We discuss points earning in detail in the in-depth rewards section below. Currently, the online application offer allows approved cardholders to save 15% on select apparel, shoes, accessories, fine jewelry, salon products, furniture and mattresses, and home purchases. At this time, the card cannot be used for purchases at stand-alone Sephora stores. Erin currently maintains her status as Alex's adventure-seeking partner-in-crime and contributes to Upgraded Points through in-depth content creation & relationship management. shipping, delivery or installation charges, and restocking or recycling fees). No, the JCPenney credit cards do not have an annual fee. My account #ending in XXXX does work. The JCPenney Credit Card is a store card that is only usable at JCPenney. As we mentioned above, JCPenney credit card holders technically earn rewards twice as fast as regular rewards members. Unfortunately, there is no way to check for pre-approved offers online or via phone with Synchrony Bank – which is who issues the JCPenny MasterCard. The basic JCPenney credit card can be used at the following retailers: The JCPenney Mastercard can be used at the above stores as well as anywhere Mastercard is accepted. JCPenney discount code: save 35% on fine jewelry when you pay with a JCP credit card JCPenney coupon code: take 25% off your order total with a JCP credit card JCPenney promo code: take $10 off selected toy purchases Last Thoughts on the JCPenney Credit Card. If you have any query, then please let us know in the comment section below. That depends. That means it will be crucial that you pay off your balance each month or the finance charges could get very expensive. It will NOT be published. That’s absolutely correct. Note: There are risks involved when applying for and using a credit card. With this card, earn 1pt/$1 spent at JCPenney stores and outside of JCPenney, you’ll earn 2pts/$1 spent on ALL dining and travel purchases (and up to $1,000 in monthly grocery store purchases from November 1, 2020, to April 30, 2021). Pay your JCPenney Card (Synchrony) bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. The clerk at JC Penny in Mt. Neither JCPenney nor Synchrony bank lists the official requirements for approval on a JCPenney credit card. JCPenney Credit Card. *A different offer may be available in store. If you shop there a lot and take advantage of their sales (beware of price inflation! I have spent some time trying to go back on old statements to verify when they were paid for. manage credit account, Open your account online to enjoy these exclusive benefits, Earn 2X the rewards points with a JCPenney Credit Card - receive 1 point per dollar spent on qualifying purchases.†, Available on qualifying purchases for furniture, mattresses, fine jewelry and more.‡. The JCPenney Credit Card requires a credit score of 640 or higher for approval. During the transaction, the rewards certificate will be applied first before any other discounts or coupons. When using your JCPenney card for purchases at JCPenney or jcp.com, you’ll automatically earn 1 point for every $1 spent (while non-cardholders earn 1 point for every $2 spent) up to the “Point Maximum” of 2,000 points in a single transaction. Enjoy exclusive offers throughout the year with 100+ special savings days where JCPenney Credit Card members save more. ), you could earn 1 point per dollar. Of note: if you’re making an online purchase, the points are alotted once the item has shipped. Additionally, this card comes with a ridiculously high 27.99% APR — so if you’re in danger of defaulting on your card payments, this could get you into trouble quickly. Where you’ll want to watch out in terms of fees is the massive APR (27.99%) and the trouble you could get into if you default on the “special financing options” available with these cards. Hi Mary. JCPenney is a symbol in the retail business and one of the nation’s most seasoned retail establishments. A lot of them have excellent reviews and can earn you some big returns in everyday spending categories like groceries, gas, dining, travel, and even some department stores. Neither JCPenney nor Synchrony bank currently list the requirements for achieving this upgrade. By Mail: If there is not a valid email address on file with your rewards account, the certificate will be sent by U.S. mail, which usually takes about 3-4 weeks after the reward is earned. The JCPenney credit card gives instant approval to some applicants who clearly meet the eligibility requirements, but JCPenney does not publicly disclose the exact criteria for earning instant approval. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Vernon opened an account in my name when I made a purchase so I would save more. Plus, with a true cash-back card, you can use your earnings any way you want! Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. HVAC, bath remodeling, hot water heaters and related services purchased through JCPenney.”. There is no limit to the number of $10 rewards certificates that an individual can earn. Online, shoppers will want to be sure they are logged into their account prior to making a purchase; this will ensure the rewards certificate is listed as an available option for payment at checkout. So we hope like this article and very informative for you. This card is only usable at in-store at or online at JCP.com. Earn More Perks From Your Credit Card. She caught the travel bug just after high school when her grandmother took her on a two-week, whirlwind trip around Europe. It’s also important to note that there’s a massive APR on this card, so be sure to you pay your statement balance in full, on time, every month. Keep track of your spending and use the card as a financial tool. Credit card issuers want to see a strong credit history, steady income, and low credit utilization. If you have specific questions about your JCPenney Credit Card account that are credit-related or account-related-including changing your mailing address-and you can't find what you're looking for in the FAQ section of the JCPenney online credit center, please call JCPenney Credit … We've upgraded our site! This site does not include all credit card companies or all available credit card offers that are on the market. Getting an immediate decision is a possibility whether you apply for a JCPenney credit card … If a member does not have either option available, they can give their linked phone number or email address at checkout. The best way to avoid fees and penalties? The JCPenney credit card can maximize your rewards if you enjoy shopping at JCPenney. (We’ll have more about alternative cards in the next section.). With deferred interest, if you pay off your purchase in full within the promotional period, no interest will be applied — hooray, you’ve successfully taken advantage of the benefit! Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. To begin, apply for the card at JCPenney’s store in-person or online.Depending on your creditworthiness, you’ll be issued one of two available store-branded credit cards (both issued by Synchrony Bank): the JCPenney Card and JCPenney Mastercard. Thank you. In-store: A reward certificate is available almost immediately after earning it, and it can be used toward the next transaction anytime thereafter. If it’s your first time logging in to manage your account online, you’ll need to register and link your credit card. For more information on our advertisers, see here. 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