Jcpenney Credit Card Review

Jcpenney Credit Card

Jesse Penny is one of the largest chain department stores in the United States. Headquartered in Plano, Texas, USA. It has 1,106 stores and 116,000 employees in the United States, making it one of the world's top 500 companies. Mainly sell men's, women's, children's clothing, jewelry, footwear, accessories and household goods. In 2020, the COVID-19 epidemic spread to the United States. Jesse Penney was severely affected by the epidemic and the company was forced to temporarily close 850 branches. Although there are not many benefits, no annual fees or unusual terms, you can unlock the gold and platinum rewards of the CPenney credit card by spending enough money each year. Just make sure that you pay off your credit statement in full every month, otherwise you will have to deal with higher than average annual purchase interest rates.

Pros & Cons Analysis of Jcpenney Credit Card


  • additional member rewards

  • more than 150 cardholder-specific savings days

  • special coupons, bonus points and appreciation discounts


  • only available on JCPenney store and

  • less rewards than other credit cards

Jcpenney Credit Card Highlights

Save up to 15% on your first purchase: This can help you save on bundles. But it is worth noting that the first purchase discount of the JCPenney card is neither the most valuable in store credit cards nor the most direct initial reward. The 15% discount only applies to certain items—such as clothing, shoes, and accessories—while other purchases are eligible for a 5% discount, while other items are not eligible for any savings.

Get surprisingly valuable continuous rewards: For every dollar charged on your JCPenney credit card, you will earn 1 point, which is roughly the market average for rewards cards. However, while most credit card points are worth about 1 cent each, every point you earn with the JCPenney Rewards card is worth $0.05, because you need 200 points to get a $10 gift certificate.

Special discounts for frequent shoppers: If you spend at least $500 in a calendar year, you will gain elite status and enjoy additional discounts.

Financing Promotion: The JCPenney card provides 18 to 24 months of deferred interest for eligible purchases. It also provides 48 to 60 months of non-deferred, equal monthly payment financing for eligible purchases at an interest rate of 0%. A minimum purchase amount is required.

Provide low-cost credit improvement: The JCPenney Store Card does not require an annual fee and only requires a "fair" credit to be approved, which can help you improve your credit score while minimizing expenses. You can check your credit score for free on WalletHub to understand your situation before applying, and then use our free daily updates to monitor your progress.

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