JCPenney Credit Card

From fair To good ( Credit Recommended 640 )

JCPenney Credit Card

The JCPenney Credit Card is a closed-loop card, which means you can only use it to make purchases in JCPenney stores or through JCPenney.com.

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pros and cons

Rewards certificates automatically issued in $10 increments for every 200 points you earn

Certificates can be combined with other discounts or coupons

Points don’t expire as long as you earn points every 12 months

Certificates expire quickly (certificates valid for a minimum of 45 days)

Earn a maximum of 2,000 points on a single purchase

Redeem no more than 10 certificates ($100) per purchase (9 if you use a coupon code at jcp.com)

Certificates only redeemable at JCPenney stores and jcp.com

Cost

Annual Fee

$0

Purchase APR

26.99%

Foreign Transaction Fee

N/A

Cash Back

1X point per dollar spent at JCPenney

Credit Score

640

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