Do have to have a good credit score for the JCPenney card?
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@merlin_melvin
Technically, it needs to be “fair”, so like over 650.
JCPenney Store Card
JCPenney Store Card
Info about JCPenney Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards659Reviews112Q&AContactRewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
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
APR on Purchases
0% intro APR for 18 - 48 months, 27.49% (V) APR after that
Balance Transfer
Balance Transfers Not Allowed
WalletHub Review
by John Kiernan
August 1st, 2022
JCPenney Store Card Pros & Cons
No membership fees
15% discount initial rewards bonus
Qualify with fair credit
High Regular APR
Deferred interest
JCPenney Store Card's Additional Info
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 23 days |
One application with two options you can get approved for. You can apply for the JCPenney Store Card but the system will determine if you are eligible for either a Mastercard version or the Store Card.
Limited time offer - Deferred Interest Details: No interest if paid in full within 18 months on qualifying furniture & mattress purchases of at least $499 (after discounts).
Limited time offer - Equal Payment Financing: 0% APR for 48 months on qualifying furniture & mattress purchases of at least $1,499 (after discounts).
Questions & Answers
Can't find what you are looking for? Submit your question about JCPenney Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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If I get approved for JCPenney credit card today, will I be able to use a temporary card to shop until mine is received the mail?
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How can I put a PIN number on my JCPenney Mastercard?
0
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How can I check if my JCPenney credit card has been denied or accepted?
0
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Can I apply for a JCPenney credit card with a low credit score?
0
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How much cash can I get at the ATM?
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I have a JCP card, why isn't it on my credit report?
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How long does it take to get this card?
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Can I pay my JCPenney bill online?
0
UpvotesReply
Hector Molina
Yep, you can: https://www.jcpcreditcard.com/consumergen2/login.do?subActionId=1000&clientId=jcpenney&accountType=generic&landingpg=1800
Why can't I use my JCP credit card online?
0
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Compare The JCPenney Store Card
Purchase Intro APR0% for 18 - 48 months
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APR0% for 12 billing cycles|Transfer Fee: $0
Transfer Intro APRNot Offered
Regular APR27.49% (V)
Regular APR9.75% - 18% (V)
Regular APR17.99% - 26.99% (V)
Rewards Rate1 point / $1
Rewards Rate1 - 2 points / $1
Rewards Rate1 - 5% Cash Back
People Also Apply For
Other JCPenney Cards
JCPenney Store Card Reviews
Share your insights and review the JCPenney Store Card
3.3
659 reviews
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4 Star Rating
Verified CustomerI closed this account 18 months ago but they are still reporting to credit agencies. They also negatively affected my credit score because they lowered my credit limit. Not happy about that
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5 Star Rating
Verified CustomerThis card is very helpful and comes in handy when need purchasing of clothes and accessories I truly love jc penny my one stop shop
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1 Star Rating
Verified CustomerMy credit lowered for non use of card. Was told “by law” they can. Been super customer over 30 years. Synchrony Bank doesn’t care.
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4 Star Rating
Verified CustomerThe in-store application was quick and easy. The website/app is straight forward making it easy to see and pay the outstanding balance.
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3 Star Rating
Verified CustomerTied to Sycrony but can be included in Syncrony yet they want me to log in on Syncrony ???? They have an automated help process that seems to go around in circles.
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4 Star Rating
Verified CustomerThe excellent customer service that the team members has given is phenomenal experience even with the pandemic with the CDC guidelines
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1 Star Rating
Verified CustomerTerrible and decreased my fico since they reduced my credit limit!!! I don’t owe a thing!!!
I will cancel this card they are idiots!!!
My fico is 791!!!
I will cancel this card they are idiots!!!
My fico is 791!!!
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5 Star Rating
Verified CustomerGreat merchant with credit shopping options and great deals. Their online shopping experience is simple and everything you buy arrives quickly.
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3 Star Rating
Verified CustomerFor no apparent reason, After never missing a payment or ever going over my credit limit, pennys lowered my credit limit to
850.00 from over 4000.00, which had a negative effect on my credit Union lowering my score.
850.00 from over 4000.00, which had a negative effect on my credit Union lowering my score.
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2 Star Rating
Verified CustomerI rarely use this card limit is too low for me and when I am shopping I spend quite a bit as I have five grown girls and eleven grandkids that I am buying for. It’s not worth the hassle to use two cards when checking out so I just use discover
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Review JCPenney Store Card
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Offer last updated: Aug 1st, 2022 at 06:38 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
0% for 12 billing cycles $0 Transfer Fee
REGULAR APR
9.75% - 18% (V)
ANNUAL FEE
$0
REWARDS RATE
1 - 2 points / $1
BONUS OFFER
20,000 points
MINIMUM CREDIT