18
Benefits1
Reward Categories1.5x
Max Reward32.2%
APR FromBasic Information
PENDINGProgram ID: jcpenney-credit-card
Issuer: Synchrony
Card Name: JCPenney Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony acknowledges the Servicemembers Civil Relief Act (SCRA) and states that eligible servicemembers should notify them to receive information about available benefits.
Rewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| JCPenney Purchases | 1.5x | Points | Qualifying purchases made at JCPenney stores or jcp.com using the JCPenney Credit Card. | No Cap |
Rewards Summary
PENDINGReward Type: JCPenney Rewards
Base Rate: 1x
Bonus Rate: 2x
Categories: Purchases at JCPenney stores and jcp.com
Quarterly Rotating: No
Expiration Policy: JCPenney Rewards Points expire 12 months after they are earned if not converted to a JCPenney Reward. JCPenney Rewards (coupons) have an expiration date printed on them.
Point Value: 0.05¢
Travel Portal Multiplier: 1x
Redemption Penalties: JCPenney Rewards (coupons) may have minimum purchase requirements and cannot be combined with certain other offers or discounts. See individual reward for details.
Benefits & Protections (Detailed) 18 Total
PENDINGLifestyle 1
General Cardmember Birthday Offer
Special offerReceive a special offer during your birthday month as a JCPenney Credit Cardmember.
Rewards 2
JCPenney Rewards Points Earning
1 point per $1 spentEarn 1 JCPenney Rewards point for every $1 spent on qualifying purchases at JCPenney stores or jcp.com using your JCPenney Credit Card.
JCPenney Rewards Certificate Redemption
$10 certificate for 200 pointsReceive a $10 JCPenney Rewards certificate for every 200 points earned through the JCPenney Rewards program.
Shopping 3
New Cardmember Welcome Discount
20% offReceive an extra 20% off your first purchase made with your new JCPenney Credit Card.
Everyday Cardmember Discount
15% offSave an extra 15% on select purchases every day when using your JCPenney Credit Card.
General Cardmember Exclusive Savings Events Access
Access to exclusive eventsAccess to exclusive savings events throughout the year for JCPenney Credit Cardmembers.
Status Benefits 12
Gold Status Tier Eligibility
Spend $500-$999 annuallyAchieve JCPenney Gold Status by spending $500-$999 annually on your JCPenney Credit Card.
Gold Status Passbook of Savings
Passbook of SavingsJCPenney Gold Status cardmembers receive a Passbook of Savings, offering additional discounts and offers.
Gold Status Special Financing Offers
Special financing offersJCPenney Gold Status cardmembers are eligible for special financing offers on qualifying purchases.
Gold Status Birthday Offer
Special offerJCPenney Gold Status cardmembers receive a special birthday offer.
Gold Status Exclusive Savings Events Access
Access to exclusive eventsJCPenney Gold Status cardmembers receive access to exclusive savings events throughout the year.
Platinum Status Tier Eligibility
Spend $1,000+ annuallyAchieve JCPenney Platinum Status by spending $1,000+ annually on your JCPenney Credit Card.
Platinum Status Passbook of Savings
Passbook of SavingsJCPenney Platinum Status cardmembers receive a Passbook of Savings, offering additional discounts and offers.
Platinum Status Special Financing Offers
Special financing offersJCPenney Platinum Status cardmembers are eligible for special financing offers on qualifying purchases.
Platinum Status Birthday Offer
Special offerJCPenney Platinum Status cardmembers receive a special birthday offer.
Platinum Status Exclusive Savings Events Access
Access to exclusive eventsJCPenney Platinum Status cardmembers receive access to exclusive savings events throughout the year.
Platinum Status Free Standard Shipping
Free standard shippingJCPenney Platinum Status cardmembers receive free standard shipping on all jcp.com purchases, with no minimum purchase required.
Platinum Status Dedicated Customer Service Line
Dedicated customer serviceJCPenney Platinum Status cardmembers have access to a dedicated customer service line.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 32.24% - 32.24%
Cash Advance APR: 32.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the JCPenney Credit Card requires applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to creditworthiness, with Synchrony evaluating factors such as credit history, income, and existing credit obligations. As of 2026, new cardholders typically receive an initial discount (e.g., 15-20% off) on their first JCPenney purchase made with the card. Ongoing benefits include exclusive cardholder discounts, special financing offers on qualifying purchases, and accelerated rewards earning (e.g., 1 point per $1 spent, redeemable for JCPenney credit). Higher spending tiers (JCPenney Gold and Platinum status) unlock additional perks like birthday offers, free shipping, and enhanced point multipliers. Synchrony may consider recent credit inquiries and the total credit extended across all Synchrony accounts when evaluating new applications.
Max Cards Per Issuer: 7
Min Spend Interval: Immediate/First Purchase (for initial bonus); Annual (for status tier maintenance)
Cliff Effect Rules: The primary 'cliff effect' for the JCPenney Credit Card relates to the JCPenney Rewards status tiers (e.g., Gold and Platinum). Cardholders must meet specific annual spending thresholds (e.g., $500 for Gold, $1000 for Platinum) to maintain or achieve higher status. Failure to meet these thresholds in subsequent years will result in a downgrade to a lower tier, leading to the loss of associated benefits such as enhanced point earning, birthday gifts, and free shipping offers.
Special Events: JCPenney frequently hosts exclusive cardholder-only events, offers early access to major sales, and provides special discount days throughout the year. These events often coincide with seasonal promotions, product launches, or specific retail holidays.
Holiday Promos: Key promotional periods include: Spring/Summer (Mother's Day, Father's Day, Memorial Day, 4th of July), Back-to-School (July-August), and Fall/Winter (Labor Day, Black Friday, Cyber Monday, Christmas/Holiday Season, Post-Holiday Sales).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.3 / 5.0
Top Positive:
Good discounts and coupons for JCPenney purchases, easy to get approved, special financing offers, birthday discounts.
Top Negative:
High APR, poor customer service from Synchrony, limited use outside JCPenney, difficult to manage account online sometimes.
Approval Experience: 78.0 / 100
Recommended Alternatives
- Macy's Credit Card
- Kohl's Credit Card
- Target RedCard
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0