Individuals who often shop at department stores are bound to look for options that benefit them every time they make transactions with such establishments. These options include store credit cards, which can help shoppers maximize the value of their money.


Aside from making the most out of every purchase, such financial offerings also have perks and benefits that you can enjoy not only within the store but also in partner establishments and qualified transactions.

Those who often go to JCPenney might want to check out JCPenney’s very own credit card. Interested in getting one? Here’s what you need to know. 

Find Out How to Apply for a JCPenney Credit Card and Earn 2X Rewards

Features and Benefits

The main feature of a JCPenney Credit Card is that it offers a reward program that lets you earn twice as many rewards for every purchase. Using this rewards card for making purchases lets you earn 1 point for every $1 spent.

Meanwhile, you can earn 1 point for every $2 spent when you use other payment options. Customers have the chance to earn 2,000 points on a single transaction. With this rewards program, you can accumulate more points and redeem them through various methods.


This card makes it more worthwhile by giving your $10 for every 200 points earned. Birthdays and bonus events also give you opportunities to earn points and possibly get gifts.

Aside from rewards points, you can also take advantage of discounts that come with this credit card. Generally, you can get exclusive benefits, credit saving days, and special financing when you get any of the three offerings from JCPenney.

Application Process & Requirements

There is no hassle when it comes to applying for this card with the use of the online application form on their website. All you need to do is give your full name and contact number on the blanks provided.

Bear in mind that you are also required to disclose your Social Security Number or your TIN on top of your annual net income. 

To ensure that your application goes smoothly, have the relevant documents on hand. Information pertinent to your creditworthiness, such as your income and employment information, current salary, and expenses may be asked by the bank. 

Besides the aforementioned, it would also be best to have your proof of address, proof of identification, and certificate of employment on hand. If your application is approved by JCPenney, will provide you with the appropriate credit limit based on your creditworthiness.

Rates & Charges

We have listed below the JCPenny Credit Card interest rates and fees that come with the card.

  • Interest Rate – 25.99% variable APR which can change based on the market Prime Rate
  • Interest charged will be no less than $2
  • Late Payment – up to $39

Contact Info

If you wish to learn more about the JCPenny Credit Card, you can reach a JCPenny representative by calling 1-800-542-0800. Alternatively, you may also send queries via mail to JCPenney at their Credit Services address, it is listed below.

P.O. Box 965009 

Orlando, Florida 32896-5009

Find Out How to Apply for a JCPenney Credit Card and Earn 2X Rewards

The Bottom Line

The JCPenney Credit Card is designed to make your shopping experience more worthwhile and rewarding. If these offers are suitable for your lifestyle, make sure to check out what this card can do for you. 

With its generous rewards points and discounts, you can certainly enjoy saving money each time you make transactions. So visit the JCPenny website or get in contact with a bank representative now to find out more!

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.