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JCPenney Credit Card
Info about the JCPenney Credit Card has been collected by WalletHub to help consumers better compare cards.
The financial institution did not provide the details.
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REWARDS |
APRs |
REVIEWS |
Q&A
|
CUSTOMER SERVICE INFO
Existing Cardholders
- Issuer's Customer Service: 1-800-527-4403
-
Issuer's Online Account Management
REWARDS |
APRs |
REVIEWS
Q&A | CUSTOMER SERVICE INFO
Q&A | CUSTOMER SERVICE INFO
Existing Cardholders
- Issuer's Customer Service: 1-800-527-4403
-
Issuer's Online Account Management
Editor’s Take
John Kiernan, Credit Card Editor
October 4, 2021
Review: JCPenney Credit Card
- Save up to 15% on your first purchase. This could help you save a bundle. But it’s worth noting that the JCPenney Card’s first-purchase discount is neither the most rewarding nor the most straightforward initial bonus available from a store credit card. The 15% discount only applies to certain items – such as clothing, shoes and accessories – while other purchases instead qualify for a 5% discount and still others aren’t eligible for any savings.
- Earn surprisingly valuable ongoing rewards. You will earn 1 point per $1 charged to your JCPenney Credit Card, which is roughly the market average for a rewards card. But while most credit card points are worth about a penny apiece, each point you earn with the JCPenney Rewards Card is worth $0.05, since you need 200 points for a $10 gift certificate.
- Special discounts for frequent shoppers. If you spend at least $500 in a calendar year, you will earn elite status and get to enjoy additional discounts.
- Promotional financing is a good deal. The JCPenney Card offers Deferred Interest for 18 to 24 months on qualifying purchases. It also offers non-deferred, equal monthly payment financing with 0% interest for 48 to 60 months on qualifying purchases. Minimum purchases are required.
- Offers low-cost credit improvement. With no annual fee and only “fair” credit required for approval, the JCPenney Store Card can help you improve your credit score while spending as little as possible. You can check your credit score for free on WalletHub to see where you stand before applying, then use our free daily updates to monitor your progress over time.
This JCPenney Credit Card review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
October 4, 2021
JCPenney Credit Card's Rewards
- Get an extra 15% off today on select apparel, shoes, accessories, fine jewelry, watches, salon products, furniture, mattresses, home, blinds and shades. Plus 5% off select electrics/electronics, Modern Bride Design Your Dream Ring, smart watches and Tempur-Pedic. Terms Apply.
- Earn 1 point for every $1 of qualifying purchases, up to a maximum of 2,000 points in a single purchase transaction.
- Get a $10 JCPenney Rewards certificate for every 200 points.
- Earn additional JCP Rewards and discounts when you reach Gold or Platinum status with qualifying purchases and points.
- Provide your email address to get your $10 rewards via email.
JCPenney Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| 0% for 18 - 60 months | Balance Transfers Not Allowed | 25.99% (V) |
|
Purchase Intro APR
|
0% for 18 - 60 months |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
25.99% (V) |
| ANNUAL FEE
|
$0 |
|---|
JCPenney Credit Card's Additional Info
| MAX LATE FEE
|
$40 |
|---|---|
| MAX OVERLIMIT FEE
|
$0 |
| MAX PENALTY APR
|
None |
| GRACE PERIOD
|
23 days |
| ONLINE RESPONSE
|
No |
| CASH ADVANCE APR
|
N/A |
| CASH ADVANCE FEE
|
N/A |
| FOREIGN TRANSACTION FEE
|
N/A |
| SMART CHIP
|
No |
- Limited time offer - Deferred Interest Details: No interest if paid in full within 18 or 24 months on qualifying furniture & mattress purchases of at least $499 or $999 (after discounts).
- Limited time offer - Equal Payment Financing: 0% APR for 48 or 60 months on qualifying furniture & mattress purchases of at least $1,499 or $2,499 (after discounts).
- Last updated on 10/4/2021
at Synchrony Bank's
secure site
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about JCPenney Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
What credit score do I need for JCPenney Credit Card approval? Reply 7votesvotes
Kendall Morris
@kendallmorris
The JCPenney Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the JCPenney Credit Card.
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 Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the JCPenney Credit Card credit score requirement. You can check your credit score for free on WalletHub.
7
Upvotes
What is the JCPenney credit card payment address? Reply 3votesvotes
Karen Moroz
@nycKaren
The JCPenney Credit Card payment address is:
SYNCB
P.O. Box 960090
Orlando, FL 32896-0090
You need to have a valid checking account from a U.S. financial institution and the following information:
- Bank name
- Checking account number
- Bank routing number
Alternatively, you can make a payment online or via phone by calling at (866) 419-4096.
3
Upvotes
How do I cancel my JCPenney Credit Card? Reply 8votesvotes
WalletHub
@WalletHub
You can cancel your JCPenney Credit Card by calling credit services at (800) 542-0800.
You should be aware that closing a credit card account can hurt your credit score. So, you might want to think twice before doing so, especially since this card has a $0 annual fee. More information can be found in this article.
8
Upvotes
How often do applicants for the JCPenney credit card get instant approval? Reply 8votes1votes
Kendall Morris
@kendallmorris
It is hard to say how often applicants get instant approval for the JCPenney Credit Card. Generally, this 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. Getting an immediate decision is a possibility whether you apply for a JCPenney Credit Card online or in-store. Your account will be activated within 24 hours, if you’re approved, and you should receive your card in about 7-10 business days. If you want a temporary card to use before your actual card arrives, present a photo ID at any JC Penney customer service area. You can make purchases the same day you receive the temporary card.
Not to be the bearer of bad news, but it’s also possible to get an instant decision denying your application. Or, you might not hear back right away. That doesn’t necessarily mean the application is denied. It just needs further review. In this situation, you’ll typically get a decision or a request for additional information within 10 business days. Some people accidentally provide incorrect or incomplete information when they apply, after all.
So, making sure everything is complete and accurate on your application helps when it comes to instant approval.
8
Upvotes
What is the JCPenney Credit Card interest rate? Reply 4votesvotes
Maria Adams
@m_adams
The JCPenney Credit Card interest rate is 25.99% (V). The JCPenney Credit Card also offers new cardholders an introductory interest rate of 0% for 18 - 60 months on purchases. However, it includes a feature called “deferred interest” meaning that interest can retroactively apply to your entire original purchase amount if you pay your bill a day late or have a balance remaining at the end of the 0% period. The regular JCPenney Credit Card interest rate is variable, meaning it can change based on certain economic conditions.
The JCPenney Credit Card gives you a 23-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card’s payment due date. You won’t owe any interest as long as you pay your balance in full during that timeframe. Should you decide to carry a balance on your JCPenney Credit Card, it will accumulate interest daily at the card’s regular APR. Interest is compounded, meaning you will owe interest on both the principal balance and any interest already accumulated.
All JCPenney Credit Card interest rates will be listed on your statement and on your online account summary.
4
Upvotes
What can I do if I lost my JCPenney credit card? Reply 1votesvotes
Robert W Polk
@robert.polk
You can report a lost JCPenney Credit Card card by calling Synchrony Bank customer service at 1-(800) 527-4403. Synchrony Bank will request some security information in order to verify your identity before sending a replacement.
How to Report a Lost JCPenney Credit Card Credit Card
- Call Synchrony Bank customer service at 1-(800) 527-4403.
- Inform the customer service representative that you’ve lost your credit card.
- Provide any requested information, such as your date of birth or the last four digits of your SSN.
- Ask the Synchrony Bank rep to cancel your old credit card and send a replacement.
You should receive a replacement JCPenney Credit Card card within 7-10 business days. When you receive your replacement JCPenney Credit Card card, you’ll need to activate it before you can make purchases. And if there are any recurring charges linked to the old JCPenney Credit Card card, make sure to update those accounts with your new card information.
Finally, it’s important to note that your JCPenney Credit Card card is covered by $0 fraud liability, which means that you will not be held responsible for unauthorized purchases made with your card while it’s lost. You should still give your card issuer immediate notice of any unfamiliar charges on your account, though.
1
Upvote
Can I use my JCPenney Credit Card anywhere? Reply 4votesvotes
Alice Kane
@Alice_K
You can use the JCPenney Credit Card at JCPenney, JCPenney.com, Sephora stores inside JCPenney locations, Sephora.com, Rite Aid, and Riteaid.com. There is also a JCP Mastercard credit card that can be used pretty much anywhere credit cards are accepted.
It’s worth noting that potential cardholders do not get to choose which card they apply for. The initial application is submitted for a basic JCPenney credit card. If the application is approved, the applicant will get the JCPenney store card or the JCPenney Mastercard, depending on their creditworthiness.
4
Upvotes
How do I get a JCPenney Credit Card credit limit increase? Reply 5votesvotes
Sebi Mitchell
@sebim
You can request a JCPenney Credit Card credit limit increase online by signing in to your account or by calling (800) 542-0800. The issuer will also periodically review your account to assess if you’re eligible for one.
Your best chances of being granted an increase are if you’ve been paying your bills in full and on time. It also helps to improve your credit score and income since opening the account.
Don’t request an increase too often, though, because it results in a hard pull and it could hurt your credit score for a short period of time.
5
Upvotes
Where can I find my JCPenney Credit Card coupon? Reply 13votes1votes
WalletHub
@WalletHub
You can find your JCPenney Credit Card coupon in your email immediately after approval, if you applied either online or at a store location.
If you submitted an application by phone, the discount coupon should be with your card when it arrives in the mail. If you have your card but no coupon, report the issue to the card’s customer service department by calling (800) 527-4403. They should be able to issue one for you.
13
Upvotes
How can I activate my JCPenney Credit Card? Reply 5votesvotes
Bogdan Roberts
@bogdan_roberts
You can activate your JCPenney Credit Card by registering for online access. Alternatively, you can activate your card by calling customer service at (800) 542-0800.
When registering for an online account you'll need to enter your account number and ZIP code. Then click "Continue" and complete the registration form by entering your personal details and clicking "Submit". The JCPenney Credit Card may still require calling customer service for activation, but you will receive specific activation instructions on the label received along with your card.
When calling JCPenney Credit Card customer service at (800) 542-0800, follow the automated prompts to enter your account number (which is the same as the number on the front of your card). Once connected to a customer service representative, request JCPenney Credit Card activation and provide your personal information as instructed.
Once you complete all the steps, you will receive a notification about successfully activating the JCPenney Credit Card.
5
Upvotes
JCPenney Credit Card Reviews
Share your insights and review the JCPenney Credit Card.
Oct 18, 2021
good to have card, but can be difficult to use since stores closest to me have closed. miss the good sales, good brands and great customer service.
Comment
Oct 14, 2021
The app gives you great savings on new clothes and new products that came in the store with reward points that I do like to see and you were able to use them. Haven’t really used a lot but enjoying when I do use the card to buy anything 🤑.
Sep 28, 2021
So I spent 12 months fixing my credit from 615 to 640 to buy a truck! I go to JCPenney haven't been since I was 10 yrs old now I'm 28. Anyways I was offered a discount only if I gave my info I didn't know I was applying for credit card. As I daily do I check my credit score next day and it's -5pts for JCPenney inquiring(panic attack)next day -31 points! WOW!! I AM so speechless frustrated confused I don't know what to do I feel so depressed after all my hard work JCPenney just destroyed my hard earned credit points in a matter of seconds someone help me can I sue ? :(… show more
Sep 26, 2021
Hadn't used card in 2 years put some purchases on it but never got bill on my credit report I can see it's due. Don't know card number where is the bill
Sep 26, 2021
I have had a card with JCPenney over 40 years. During that time I have been in good standing with them, making my payments on time and being a dedicated customer. I opened that account and was the sole user ever since even though my husband was listed as the account owner since he worked and I was a stay at home mom. When he passed away instead of contacting me about changing the card into my name they declined purchases at the POS, embarrassing me in front of other customers and not bothering to explain why my card was declined. I paid off the balance thinking maybe that was the reason it was declined but when I tried to use it again, it was again declined. Then they dropped the available credit from $10K to $500 hurting my credit score, again without contacting me about why all this was happening. Now they changed my status from authorized user to whatever, I don't even know if I can use this card! My income is and has been over $50K for years and my credit rating is close to 800 if not over. I would not recommend JCPenney to anyone for any reason!… show more
Sep 22, 2021
Card was pretty easy to acquire with an acceptable credit limit. I never missed a payment or exceeded credit limit. Without any warning, my credit limit was reduced. Within the next 2 weeks, they reduced my limit a 2nd time. I called to question these reductions and was only told I would receive a letter. Of course the letter said contact my credit bureau. I would not recommend this card or Synchrony Bank.
Sep 17, 2021
No thanks; I do t do reviews. I’m satisfied with the service that I receive from JC Penney.
I shop there when I need gifts for friends.
I shop there when I need gifts for friends.
Sep 11, 2021
Bad Communications between them & me. Given one set of info, one time, & different info, the next time I contacted them. Paying it off, in entirety, w/n a few days!
Sep 08, 2021
Account was had before this bank took over. Since it was a card I had longevity with it hit my credit severely in a negative way when the bank closed it even though account was current with no late fees. Reason given was I no longer met their credit standards. This bank also closed another of my retail cards for the same reason under the same circumstances. Screw job.
Sep 06, 2021
I love shopping at JCP because of the quality & great deals, especially on the holidays. However, it takes a while longer to get packages after ordering online & twice as long as Walmart or Amazon.
Sep 06, 2021
I just don't shop there that often. Maybe for dressy clothing but not everyday. I have gotten some good deals there. Plus I don’t go to the mall that often
Aug 31, 2021
I don't have a JCPenney card and yet this shows up on my credit.
Can someone tell me why? I have contacted JCPenney and have been
assured that I owe nothing. I do not have a card. I do not want a card.
Yet, it shows up on my credit and no one will help me to get this off.
Recently someone even tried opening a JC Penney card in my name.
Can someone tell me why? I have contacted JCPenney and have been
assured that I owe nothing. I do not have a card. I do not want a card.
Yet, it shows up on my credit and no one will help me to get this off.
Recently someone even tried opening a JC Penney card in my name.
Aug 31, 2021
The bank that runs this card is hard up for increases or may give you a high limit & then take more than half back. I've had the card since 2018 & have never gotten an increase & thus have never missed a payment!
Aug 31, 2021
When I applied for this card over 4 years ago , I had gotten a small credit limit , over time as my payments were good , and I was always on time with my payments they kept increasing my credit limit . They just increased my limit again a few months ago . Very blessed that I learned from a young age to be smart with my money and to never ever let a bill lapse to end up paying a late fee.… show more
Aug 30, 2021
I had this account for years ,always paid , come in handy to buy my children school clothing and shoes .Also x-mas years ago , I didn't owe them anything when closed.
Aug 25, 2021
Not even worth it. My original limit was $1300. I've paid it off 3 times since I opened it within 5 years and they had the nerve to lower my limit. Never been late or defaulted. I will never use their credit card again. I rather go somewhere with better quality items anyway. Will be calling to close it out. I'll take the credit hit.
Aug 23, 2021
I opened my JC Penney charge card before the pandemic, so I didn't get the chance to use it often because the stores were closed. I just found out that my credit limit was decreased by almost 2,000.00 without notice due to ACCOUNT INACTIVITY. I called and a supervisor said they don't need to send letters or alert to let you know they had dropped your limit. Supervisor suggested to ask for a credit increase just to restore my credit line limit.… show more
Aug 17, 2021
I spend fifty five dollars, and paid thirty-five dollars before due date. I expect to finish paying off the balance by September 2021. I love this store as well. And I love the customer service
Aug 17, 2021
The card is convenient. I don’t like to shop. I especially am not fond of having to go to a mall. My husband will only wear black & gold underwear from here. Thanks for making us both happy!
Aug 15, 2021
Used to this for a large purchase and now use it just for small home appliances towels sheets at cetera from the home goods store. No other reason to purchase items at JCPenney
Aug 16, 2021
Excellent not using this card much because I got a gold membership. With no annual fee can't beat it. I'm running out of things to say.
Aug 14, 2021
This was an account I got very long ago, they never increase my credit limit and refuse to offer a Co branded credit card like visa
Aug 16, 2021
I love this store so much . It is such a great sales that happen I nor anyone could go wrong with J. C. Penny. The shoes alone and sales on jeans are worth it just in itself
Aug 14, 2021
Great creadit company hope to dhop more once the economy in my household gets better and i can shop more online This credit card has helped me improve my credit and with the low payments I can maintain all the other credit cards that I have opened and at the same time they increase credit limit and keep me posted on what I owe and I can make payments including monthly payments from my bank plus earn points to lower my balance… show more
Aug 13, 2021
JC Penney special financing gave me the chance to buy a new mattress for the first time in my life with no interest and 60 months to pay it off.
Aug 09, 2021
You're welcome and thank you for making my credit score better I appreciate it very much love this app and it don’t hurt your score any
Aug 06, 2021
Only applied for it to save money on my purchase . JC Penny offered a 20% discount if I applied for a credit card. I did I was approved but only used it once and paid it off at the end of the month.
Aug 05, 2021
I made my JC Penny payment on the due date. It was 8:00pM so they posted it for the next day and charged me a $29.00 late fee. I felt this was unfair. I was not aware there was an early cut off time.
Jul 27, 2021
I love this card can u grant me my available credit everything I try to use it declines please help me with my account. Please and thankyou
Jul 22, 2021
It is very good app for everyone thank for good service I'll keep using this service I like it and you will be tension free and you will enjoy
Jul 22, 2021
When The balance was zero and I requested they close the account they said they would send a letter which I have not yet received.
Jul 17, 2021
Verified Customer
Treated fairly when husband makes purchases for Birthday presents, pay bill off as soon as possible.. we haven't had any negative issues.
Jul 16, 2021
Verified Customer
Love the card but if you are late Synchrony will decrease all your credit card limits you have with them and your credit score will drop
Jul 12, 2021
Verified Customer
I shop for items I need or to get gifts for my family or friends. I'm pleased with the store in my area. I'm satisfied with their sales in the different departments.
Jul 08, 2021
Verified Customer
I love going to JCPenney‘s and buying things from them they have got an awful lot of stuff that I always need to buy but I am trying to pay my card off so I have not been buying much lately and I think JCPenney for the card
Jul 07, 2021
Their accounting practices are questionable. If you have a deferred balance and you are making payment over the minimum, they still sneak in $2.00 interest charges. Also when you pay on the deferred balance (setup automatically) and you use the card to make a purchase and pay that purchase off in the same month they take both payments and put them toward the deferred balance and charge you interest on your purchase. Be careful! you have been warned. If they swindle 1 million people out of $2 don't know about you but I would love that kind of money every month.… show more
Jul 05, 2021
Verified Customer
I have enjoyed my credit with JCPenny. I love shopping online and it is extremely convenient for me due to the J Penny I’m our area closed.
Jun 26, 2021
Verified Customer
Everyone is helping in the store or on line. Merchandise and service it is very good and it last longer than any other way or any other store
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
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Last updated on: Oct 4th, 2021 at 11:09 ET
Related Credit Cards
If you are interested in the JCPenney Credit Card, check out the following credit cards as well:
Related Credit Card Categories
JCPenney Credit Card is related to the following categories:
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Oct 4th, 2021 at 11:09 ET