8
Benefits2
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| JCPenney Purchases | 2x | Points | Earn 2 JCPenney Rewards points for every $1 spent on qualifying purchases at JCPenney stores or jcp.com. | No Cap | |
| All Other Purchases | 1x | Points | Earn 1 JCPenney Rewards point for every $1 spent on qualifying purchases everywhere Mastercard is accepted outside of JCPenney. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 2x
Categories: JCPenney purchases
Quarterly Rotating: No
Expiration Policy: Points expire 12 months from the date they are earned if there is no qualifying purchase activity on your account.
Point Value: 0.05¢
Travel Portal Multiplier: 1x
Redemption Penalties: Reward certificates expire and must be used by the date indicated on the certificate. Certificates cannot be used for prior purchases, gift cards, or to pay your JCPenney credit card bill.
Benefits & Protections (Detailed) 8 Total
PENDINGLifestyle 1
Birthday Offer
VariesReceive a special offer during your birthday month.
Shopping 5
JCPenney Rewards Points (In-Store/Online)
1 point per $1 spentEarn 1 JCPenney Rewards point for every $1 spent on qualifying purchases at JCPenney stores or jcp.com with your JCPenney Credit Card or JCPenney Mastercard.
JCPenney Rewards Points (Everywhere Else)
1 point per $2 spentEarn 1 JCPenney Rewards point for every $2 spent on qualifying purchases everywhere else Mastercard is accepted with your JCPenney Mastercard.
Special Financing Offers
Varies by offerAccess to special financing offers on qualifying purchases at JCPenney.
Exclusive Savings Events
VariesAccess to exclusive savings events for cardmembers.
Bonus Points Events
VariesOpportunities to earn extra JCPenney Rewards points during special bonus points events.
Status Benefits 2
JCPenney Gold Status
Spend $500-$999 annuallyAchieve Gold Status by spending $500-$999 annually on your JCPenney Credit Card or JCPenney Mastercard. Benefits include a birthday offer, exclusive savings events, and bonus points events.
JCPenney Platinum Status
Spend $1,000+ annuallyAchieve Platinum Status by spending $1,000 or more annually on your JCPenney Credit Card or JCPenney Mastercard. Benefits include a birthday offer, exclusive savings events, bonus points events, and 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 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 31.24%
Cash Advance APR: 31.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility requires applicants to be 18+ years old, a U.S. resident with a valid SSN/ITIN, and possess a fair to good credit score (typically 640+). New applicants are generally eligible for a bonus, often a 15-20% discount on the first purchase made on the day of account opening, or a fixed dollar amount off a qualifying purchase. Additional bonus JCPenney Rewards points may be offered for initial spend. Rewards earned are primarily redeemable at JCPenney stores and jcp.com, though the Mastercard can be used anywhere Mastercard is accepted.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Applicants are typically restricted from holding both the JCPenney Store Card and the JCPenney Mastercard simultaneously for new applicant bonus eligibility. A waiting period (e.g., 6-12 months) may apply between applications for different JCPenney branded cards to qualify for a new bonus.
Special Events: Friends & Family sales, JCPenney Rewards member exclusive events, birthday discounts, special financing offers on large purchases.
Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday season, Mother's Day, Father's Day, Back-to-School, Memorial Day, Labor Day.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Good for frequent JCPenney shoppers, offers exclusive discounts and birthday rewards, no annual fee, and can be used anywhere Mastercard is accepted.
Top Negative:
High APR if not paid in full, rewards are primarily JCPenney-centric, and customer service can be inconsistent.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Target RedCard
- Kohl's Charge
- Capital One QuicksilverOne
Card Value Score: 60.0 / 100
Est. Annual Rewards: $67.50
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0