12
Benefits1
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| JCPenney Purchases | 2x | Points | Earn 2 points per $1 spent on qualifying purchases at JCPenney stores or jcp.com when using the JCPenney Credit Card. Exclusions include gift cards, services (e.g., salon, optical, portrait), in-store leased departments, Sephora inside JCPenney, sales tax, state fees, and shipping charges. | No Cap |
Rewards Summary
PENDINGReward Type: JCPenney Rewards
Base Rate: 1x
Bonus Rate: 2x
Categories: JCPenney purchases
Quarterly Rotating: No
Expiration Policy: Points do not expire, but reward certificates expire 60 days after issuance.
Point Value: 0.05¢
Travel Portal Multiplier: 1x
Redemption Penalties: Reward certificates expire 60 days after issuance. Certificates cannot be used for gift card purchases, prior purchases, or as payment on a JCPenney credit card account. Other restrictions may apply.
Benefits & Protections (Detailed) 12 Total
PENDINGLifestyle 1
Birthday Offer
Special birthday offerCardmembers receive a special offer during their birthday month. Specific offer details may vary.
Shopping 5
New Cardmember Welcome Discount
20% discount on first purchaseNew JCPenney Credit Cardmembers receive an extra 20% discount on their first purchase made with their new card.
JCPenney Rewards Points Earning (Base)
1 point per $1 spentEarn 1 JCPenney Rewards point for every $1 spent on qualifying purchases made with the JCPenney Credit Card at JCPenney stores or jcp.com.
JCPenney Rewards Certificate Redemption
$10 certificate per 200 pointsReceive a $10 JCPenney Rewards certificate for every 200 points accumulated. Certificates can be used on qualifying purchases at JCPenney.
Exclusive Cardmember Savings Events
Exclusive savingsAccess to special savings events and discounts available only to JCPenney Credit Cardmembers throughout the year.
Special Financing Offers
Special financingCardmembers may be eligible for special financing promotions on qualifying purchases made with their JCPenney Credit Card.
Status Benefits 6
Gold Status Qualification
Annual spend of $500-$999Achieve JCPenney Gold Status by spending $500-$999 annually on your JCPenney Credit Card.
Gold Status Rewards Earning Rate
1.25 points per $1 spentJCPenney Credit Cardmembers who achieve Gold Status earn 1.25 JCPenney Rewards points for every $1 spent on qualifying purchases.
Gold Status Passbook of Savings
Passbook of SavingsJCPenney Credit Cardmembers with Gold Status receive a Passbook of Savings, offering additional discounts and offers.
Platinum Status Qualification
Annual spend of $1,000+Achieve JCPenney Platinum Status by spending $1,000+ annually on your JCPenney Credit Card.
Platinum Status Rewards Earning Rate
1.5 points per $1 spentJCPenney Credit Cardmembers who achieve Platinum Status earn 1.5 JCPenney Rewards points for every $1 spent on qualifying purchases.
Platinum Status Passbook of Savings
Passbook of SavingsJCPenney Credit Cardmembers with Platinum Status receive a Passbook of Savings, offering additional discounts and offers.
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: | $30.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 36 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility Requirements: Applicants must be at least 18 years of age (19 in Alabama and Nebraska, 21 in Puerto Rico), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to credit approval. A fair to good credit history is typically required. Bonus Rule: New cardholders often receive an introductory discount on their first JCPenney purchase (e.g., 15-20% off). Application Rules: Applications can be submitted in-store or online at jcp.com, with instant credit decisions common. Approval is generally more accessible than for general-purpose credit cards.
Max Cards Per Issuer: 1
Min Spend Interval: N/A (Bonus typically applies to first purchase or is not spend-based over time)
Cliff Effect Rules: JCPenney Rewards program tiers (e.g., Gold, Platinum) are based on annual spending. Failing to meet spending thresholds can result in a downgrade to a lower tier, leading to reduced benefits such as lower earning rates, fewer special offers, or loss of birthday discounts.
Special Events: JCPenney frequently hosts special sales events such as 'Power Penney Days,' 'Friends & Family Sales,' 'Clearance Events,' 'Home Sales,' and 'Beauty Events' throughout the year, often providing additional discounts or bonus rewards specifically for cardholders.
Holiday Promos: Key holiday shopping periods including Black Friday/Cyber Monday (late November), Christmas/Holiday Season (December), Back-to-School (July-August), Mother's Day (May), Father's Day (June), and major national holiday sales (e.g., Memorial Day, Labor Day).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.1 / 5.0
Top Positive:
Good for frequent JCPenney shoppers, offers regular discounts and special financing, relatively easy approval process.
Top Negative:
High APR, frequent complaints about customer service and billing issues, limited utility outside JCPenney.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Target RedCard
- Kohl's Charge
- Capital One Platinum Secured
Card Value Score: 65.0 / 100
Est. Annual Rewards: $40.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: October 2023