How often do applicants for the JCPenney credit card get instant approval?

The Fingerhut Credit Account is the easiest unsecured card to get approved for. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So, while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer

If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.

Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.

Here are the easiest unsecured credit cards to get:

• Good Overall: Fingerhut Credit Account.
• With Rewards: Credit One Bank® Visa® Credit Card.
• For Small Businesses: Capital One® Spark® Classic for Business.
• For Limited Credit: Petal® 2 Visa® Credit Card.
• For Students: Deserve® EDU Mastercard for Students.

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for​.

No, you cannot get a JCPenney Credit Card with bad credit. You need fair, good or excellent credit to get a this card.

The fact that you can’t get the JCPenney Credit Card with bad credit shouldn’t be too big of a deal, though. Unless you’re a die-hard JCPenney shopper, you aren’t missing out on much. There are plenty of credit cards for bad credit with competitive terms.… read full answer

For example, the Discover it® Secured Credit Card card requires a deposit of $200, but you get unlimited 1% cash back on all your purchases, including those at JC Penney. And Discover matches all of the cash back you earn during your first year.

Here’s how to get a JCPenney Credit Card with bad credit:

1. Improve your credit score: You need fair credit for good approval odds. Paying down debt and disputing credit-report errors could help you get there quickly.
2. Use a card without JCPenney branding: There are plenty of good credit cards for bad credit that will save you money on JCPenney purchases.
3. Apply with a co-signer: You must go to a store location to request the JCPenney Credit Card co-signer application. This cannot be done online.
4. 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 your credit score improve.

The JCPenney Credit Card can be used at JCPenney in-store and online, plus JCPenney salons, Sephora.com, and Rite Aid. If you have the fair credit or better needed for approval, you’ll get 15% off your first purchase on select items. And you’ll always get 1 point for each dollar charged.