Does JCPenney Credit Card have a 0% APR intro period for new purchases?

The JCPenney Mastercard credit score requirement is at least 700. That means people with good credit or better have a shot at getting approved for the JCPenney Mastercard. The JCPenney Credit Card, on the other hand, requires a 640+ credit score (fair credit).

Other JCPenney Mastercard Approval Requirements:

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the JCPenney Mastercard, too....

When a 0% APR period ends, the credit card’s regular APR will kick in. That rate will apply to any unpaid balance remaining on the credit card as well as any new purchases made from that point on. The regular APR that applies when a 0% APR period expires tends to be very high, so it’s best not to leave much of a balance for it to affect.

The only exception to this rule...

The longest 0% APR credit card is the Wells Fargo Reflect® Card. This card offers an introductory purchase APR of 0% for 21 months from account opening and 0% for 21 months from account opening on qualifying balance transfers - subject to a fee of 5% (min $5). The card’s regular APR is 17.99% - 29.99% Variable.

Given its $0 annual fee, the Wells Fargo Reflect card makes for a great option both for financing larger purchases and transferring pre-existing debt. There are several other options with long 0% intro APRs that are worth taking into consideration.

Here are the longest...