These Are the Pros and Cons of JCPenney Credit Card: Learn How to Apply

Customers who use their credit cards at JCPenney can get great rewards in-store and online. The department store chain’s rewards program offers more than just discounts through the JCPenney Credit Cards. It also gives cardholders access to special perks only available through the card.

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Before applying for a JCPenney Credit Card, consider the card’s features, rewards system, benefits, and fees. Find out how to apply for a JCPenney Credit Card and if you meet the requirements below.

  • What is the JCPenney Rewards System?
  • What are the Pros of the JCPenney Credit Card?
  • What are the Features of the JCPenney Credit Card?
  • What are the Fees for the JCPenney Credit Card?
  • What are the Eligibility Criteria for a JCPenney Credit Card?
  • How Can You Manage JCPenney Credit Card on the Mobile Banking App?
These Are the Pros and Cons of JCPenney Credit Card: Learn How to Apply
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What is the JCPenney Rewards System?

JCPenney has a rewards program full of special perks and benefits only for those who use it. With the JCPenney Rewards program, customers can get extra points, cash back, etc., when they shop at the department store.

These Are the Pros and Cons of JCPenney Credit Card: Learn How to Apply
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Loyal customers of JCPenney only need to go through a simple registration process to sign up for the store’s Rewards program. 

JCPenney gives Exclusive Rewards members a bonus on different products for a limited time. Customers who sign up for JCPenney Rewards can get an extra 30% off certain original, regular, and sale-priced clothes, accessories, shoes, fine jewelry, and home items.

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Also, new Rewards members can get a $10 reward and access to a limited number of special offers. With the help of the app and website, members can print, scan, or apply rewards at checkout, check their point balance, and do a lot more.

What is the JCPenney Credit Card?

It might not be enough to just sign up for JCPenney Rewards to get more benefits. Customers who shop at JCPenney often and are interested can apply for any of the store’s credit cards.

Standard, Gold, and Platinum are JCPenney’s three credit cards. Synchrony Bank, which is in charge of the JCPenney credit card, takes care of them. Each credit has its benefits, but it also acts as a level. Customers who sign up for their first JCPenney Card will get the standard red card.

If they spend $500 or more on goods or services in-store or on the website in a calendar year, the card will be upgraded to Gold. When a customer spends $1,000 or more, they get a Platinum card. Members of JCPenney Rewards must spend at least these amounts each year to keep these levels.

What are the Pros of the JCPenney Credit Card? 

As soon as someone gets a JCPenney Credit Card, they can get a 15% discount on several items, such as clothes, fine jewelry, accessories, shoes, and salon products.

These Are the Pros and Cons of JCPenney Credit Card: Learn How to Apply
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High-priced items like electronics, mattresses, and smartwatches get a 5% discount. You might get a different deal if you apply for a credit card in a store.

In addition to the welcome bonus, the JCPenney Credit Cards give an extra 5% off certain items. JCPenney lets people with credit card use discounts from other coupons and their credit card discounts.

What are the Other Pros of the JCPenney Credit Card? 

A customer might have a coupon for a product that gives me a 10% discount. The customer can save 15% on the product with the coupon and the credit card. There is no maximum discount percentage that customers can get at JCPenney.

Sometimes, JCPenney has special deals that give you a 30% discount. When customers use their JCPenney Credit Cards, they may be able to get items for almost half of what they were initially priced at.

What are the Features of the JCPenney Credit Card?

The JCPenney Credit Card lets people earn reward points like any other credit card. Customers can use these reward points to get a discount, a gift card, or cash to pay for other purchases. Everyone with a JCPenney Credit Card can use the JCPenney Rewards program.

These Are the Pros and Cons of JCPenney Credit Card: Learn How to Apply
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This system is based on points, and customers get a $10 JCPenney gift card for every 200 points they earn. They get one point for every dollar they spend on eligible items with their JCPenney Credit Card. They might only make half as much as they spend on other payment methods.

Every time customers swipe their JCPenney Credit Card, they get two points. It means that a customer gets $0.05 for every point they earn. On a single purchase, JCPenney cardholders can earn up to 2,000 points.

To get the most reward points, buying something that costs more than $2,000 in more than one transaction is best. Cardholders get an extra 5% off smartwatches, electronics, Tempur-Pedic beds, the Modern Bride Design, and other items when they use their JCPenney Credit Card.

What are the Other Features of the JCPenney Credit Card?

When cardholders earn enough points, JCPenney gives them bonuses automatically. With these cards, you don’t have to worry about how to use your reward points. Depending on how the reward certificate is sent, it is automatically sent by email or mail.

You can only use rewards vouchers to buy things at JCPenney, either in-store or online. Also, the points don’t have an end date, but the reward certificates do. They must be used within 45 days. Take note of how long you have to redeem the $10 cashback.

You can only buy things with a JCPenney Credit Card in-store, on JCP.com, or from partner brands. For example, people with JCPenney cards can use them at the salon, optical center, or photo studio. It can also be used on Sephora.com to buy things.

What are the Fees for the JCPenney Credit Card?

JCPenney’s credit card has fixed fees, rates, and other charges, just like any other credit card. Check these fees before getting a JCPenney Credit Card to ensure it will be worth it.

  • Annual Fee: $0;
  • Balance Transfer Fee: N/A;
  • Cash Advance Fee: $10 or 5% of each cash advance, whichever is greater;
  • Foreign Purchase Transaction Fee: 3% of each transaction;
  • Regular Annual Percentage Rate: 22.74% variable on purchases;
  • Minimum Interest Charge: $2;
  • Balance Transfer Intro Annual Percentage Rate: N/A;
  • Late Penalty Fee: up to $37;
  • Returned Payment: None.
These Are the Pros and Cons of JCPenney Credit Card: Learn How to Apply
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Since JCPenney credit card is focused on rewards, they have relatively low-interest rates on purchases. The main goal of the card is to help customers enjoy shopping by giving them discounts and rewards.

What are the Other Benefits of the JCPenney Credit Card?

There are more advantages and benefits to having a JCPenney Credit Card. Since the department store chain cares about its customers, it wanted to do something special for their birthdays. People with JCPenney Credit Cards can get special deals on their birthdays.

There are also events that only people with a credit card can go to and earn reward points. They may also be able to use coupons and deals that are only available on the JCPenney website, in stores, and on its mobile app.

JCPenney gives its credit card customers more than 150 days when they can save money. Also, special financing options let customers pay no interest for six to thirty months on any eligible JCPenney purchase, including JCPenney-owned brands.

What are the Eligibility Criteria for a JCPenney Credit Card?

JCPenney has not said who can apply for a JCPenney Credit Card and who can’t. Citizenship in the U.S., being of legal age, having a permanent address in the U.S., and having a steady source of income are the basic requirements for a credit card.

These Are the Pros and Cons of JCPenney Credit Card: Learn How to Apply
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JCPenney also wants its cardholders to have a good credit score to have a better chance of being approved. It says that having a FICO score of 634 or more will make it more likely that a JCPenney Credit Card application will be approved.

Some sources say that about 77% of JCPenney Credit Card applications are approved. See if they have already pre-qualified to speed up the application process.

JCPenney only asks for basic information, like the last four digits of your SSN/TIN, full name, and cell phone number. It is Synchrony Bank’s job to check how a JCPenney Credit Card is applied for carefully.

How Do You Apply for a JCPenney Credit Card?

You can apply for a JCPenney Credit Card online or in-store. You must provide the following information:

  • Name;
  • Address;
  • Phone number;
  • Email address;
  • Date of birth;
  • Social Security number;
  • Annual income after taxes.

When you apply in-store, a salesperson will walk you through the application process, and you’ll have to give the same information. Usually, you’ll get a quick reply.

The processing time will stay between 7 and 10 business days, whether customers apply in-store or online. Checking the JCPenney website for pre-qualification may speed up the application process. Application filling takes two business days.

How Can You Manage JCPenney Credit Card on the Mobile Banking App?

The Google Play Store and the Apple App Store both have the JCPenney mobile banking app. Cardholders must use their JCPenney online accounts to log in to the mobile banking app. Those who don’t have accounts must give their name, email address, and account number.

These Are the Pros and Cons of JCPenney Credit Card: Learn How to Apply
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Cardholders can keep track of everything going on with their JCPenney Credit Cards with the help of the mobile app. On the History page of the JCPenney app, they can see all the purchases made with JCPenney Credit Cards.

Also, they can check my balance, which helps them remember what they need to pay for, especially when the due date is coming up. You can also use the JCPenney app to pay your bills.

What are the Contact Details of JCPenney?

People who want to learn more about JCPenney Credit Cards can visit one of its stores or check out its website. JCPenney has its main office at 1303 Niagara Falls Blvd, Amherst, NY 14226, USA.

For questions about how to apply for a JCPenney credit card, call 800-322-1189.

Conclusion

Customers who use the JCPenney Credit Card can earn reward points and get special benefits for having a higher-tiered card (Gold or Platinum). You get reward points when you use your JCPenney Credit Card to buy something.

Disclaimer: There are risks involved when applying for and using JCPenney Credit Card products. Consult its Terms and Conditions page before agreeing to anything. 

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