JCPenney Credit Card Review

JCPenney is one of the most popular departmental store chains in USA with outlets located at over 850 locations along with an online store. They have launched a store credit card for their customers which gives the freedom of cashless shopping across all online and offline JCPenney stores.

JCPenny Credit Card Review

Review Summary

  • JCPenney Credit Rating by CashKanjoos Team: 
  • Creditkarma Rating: 1.5
  • 2.5
  • Wallethub: 3.3

This is a brief overview of the review submitted by our team and and other reliable sites.

Features and Benefits of JCPenney Credit Card 

If you look in detail, the JCPenney Credit Card don’t have much features or benefits for the customers. However, they have few attractive redeemed  option. Let’s have a look at what is offered to JCPenney credit card holders.

Annual Fees

There is no such annual or renewal fees on JCPenny card, that means, it’s totally free.

Rewards Points

JCPenney credit card awards 1 reward point on spending $1 while shopping from one of their stores or JCPenney website which is double as compared to using other payment option.

The maximum number of reward points that you can earn from a single retail purchase is 2000.

On returning a product, the reward points earned from the purchase will be deducted from your points pool, which will be calculated by the cost of that product. Also, if a product is on offer or has a discounted price, the reward points earned will be calculated on the basis of the amount you are paying for it, instead of the actual cost.

The exchange value of the reward points that are earned on credit card is 0.5%. It means that for every 200 reward points, you will be redeemed with an amount of $10.

Birthday offer

JCPenney gives special offers to customers on their birthdays which will depend on their spending patterns from their credit card. All customers are informed of the offer that they will get through email and will be valid only once in an year. 

Review of JCPenney Credit Card

Even though the reward points that you can earn with the JCPenney credit card are double as compared to any other payment method, it is not a good credit card to have if you are looking for effective financial planning. The major reason for that is the rate of redeeming these reward points which is much lower than what you can earn by paying through any other credit card issued from a bank.

The birthday offers are also usually limited to a $10 or $15 voucher which is practically nothing when compared to the actual spending of each customer and the reward value that they are getting for that throughout the year. The offers available for the Gold and Platinum card holders may be better but reaching that level with JCPenney is not very easy.

What makes this credit card different from most store cards is that customers will have to pay an interest on the credit that they take while shopping. The APR is 26.99% which is very high as compared to similar credit cards from other companies.

Last but not least, you can’t use the card outside JCPenney’s store.


Overall, the credit card is not a good option to have.

The offers are not at par with the market standards and the reward value is incredibly low. The only good part about having a JCPenney credit card is that you can get an occasional waiver on the shipping fee which is not worth sticking to this credit card for long. 


faqHow can I increase the limit of my credit card?
You can log in to your JCPenney credit card account and click on Request a credit line increase to increase your credit limit.

How can I get an instant approval?
Most applications for JCPenney are approved instantly but if you have not received an instant approval, you are likely to get it in 7-10 business days.

Can I get a JCPenney card with bad credit?
Yes, JCPenney is available for all residents of USA who are above 18 years of age.

What is the grace period for payments?
The grace period for making an interest free payment is 23 days after the closing of the billing cycle.

What is the minimum payment on the card?
There is no minimum payment.

What is the process to prequalify?
All customers who are residents of USA and above 18 years of age are automatically eligible for a JCPenney credit card.

Category: Credit Cards

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Article by: Raj

Raj is from Finance background and finished his MBA in 2014. He worked as a store manager in one of the leading Multi-store Retail. He has good knowledge on how to save $ on shopping.