Paul Kessler, WalletHub Credit Card Analyst
@p.kessler
No, you cannot get a JCPenney Credit Card with bad credit. You need at least fair credit to get this card. However, there are plenty of credit cards for bad credit with competitive terms.
A good example is the Capital One Quicksilver Secured Cash Rewards Credit Card. This card requires a minimum deposit of $200. However, you get unlimited 1.5% cash back on all your purchases, including those at JC Penney.
How to Get a JCPenney Credit Card with Bad Credit
- Improve your credit score: You need at least fair credit for good approval odds. Paying down your debt and disputing credit report errors could help you get there quickly.
- Apply for a credit card within your credit range: There are plenty of credit cards for bad credit that will save you money on JCPenney purchases.
- Be an authorized user: If a friend or family member has a JCPenney Credit Card, ask if they can add you as an authorized user. This will also help improve your credit score.
The JCPenney Credit Card can be used at JCPenney in-store and online, plus JCPenney salons and Sephora.com. If you have the fair credit or better needed for approval, you’ll get $35 off your first purchase of $35 or more, or $125 off your first purchase of $500 or more on select items. Plus, you’ll always get 1.5 points per $1 spent on eligible purchases.
Popular Credit Cards from Our Partners
Brandon Bettan, Member
@brandon_bettan
You should have at least fair credit in order to get approved for the JCPenney Credit Card.
People also ask
What's the easiest furniture store credit card to get?
The easiest furniture store credit card to get is the Fingerhut Credit Card because you can get approved for this card even with bad credit. While Fingerhut isn't only a furniture store, its online-only store has a furniture section, which includes bedroom sets, dining tables, couches, and more.
For a physical furniture store credit card, the easiest to get is the Synchrony Home Credit Card because this card requires only Fair credit for approval. Unlike the Fingerhut Credit Card, you can use...
read full answer by Mark Towers, WalletHub Credit Card AnalystWhat are the easiest department store credit cards to get?
One of the easiest department store credit cards to get approved for is the Montgomery Ward Credit Account, if you count an online retailer / mail catalog as a department store. You can get it with bad credit which is rare for a store card.
Pretty much all other store credit cards require fair credit (640+ score) for approval. But that still means most department store credit cards are easy to get for most people. It also...
read full answer by WalletHub, Financial CompanyWhat are the best store credit cards for bad credit?
The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.
They don’t have a whole lot of competition, however. There are very few store credit cards for bad credit available right now. Nearly all store cards require at least fair credit for approval, according to WalletHub’s database...
read full answer by John S Kiernan, Managing EditorDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.