Picture of the JCPenney Credit Card front

JCPenney Credit Card Reviews & Info

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Contact Information

  • Telephone: 1(972) 431-1000
  • E-Mail: N/A
  • Mailing Address: JCPenney Corporate Headquarters 6501 Legacy Dr (at Corporate Dr) Plano, TX 75024 USA

JCPenny is a huge retail store with a huge choice of goods. You can buy here clothing, cosmetics, electronics, and even furniture. JCPenny offers its credit card for customers. Because with it, you will have exclusive offers and different discounts. You can take a look at all benefits of JCPenny credit card below.

Card Information

Rewards

Up to 15% discount;
Save 15% on select products;
$15 Perk Rewards for shoes or bras

Signup Bonus

Save extra 15% when you open your credit card

Annual Fee

$0

Cash Advance APR

Not allowed

Late Payment Fee

Up to $35

Purchases APR

0% for 36 months
26.99%

CreditSpot Icon CreditSpot's CardScore Submit Review
86.7

Pros and Cons

Pros

+ No annual fees
+ Low late fee

Cons

- High APR
- Discounts are only for JCPenney stores

Permium Credit Card Offers

3 Reviews

JCPenney Credit Card Overall rating: ★★★★☆ 4.3 based on 3 reviews
5 1

WOW

★★★★★
5 5 1
I got JCPenney credit card with $200 limit in May. You don't believe, but in July I already had $1500 credit limit!!!

Great offers!

★★★★☆
4 5 1
I like that there are a lot of products with no interest for cardholders! Plus the card has 5% offer

Increase my credit limit every 3 years

★★★★☆
4 5 1
This card isn't so bad! I have a new credit limit every 3 years, plus recently JCPenny upgraded me to JCPenny master card, so I can use my card everywhere.
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