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

When we spend a lot of money shopping, it is important to find a way to either save more money or find a way to make the most out of the money we do spend.

This is why a lot of shoppers tend to get credit cards that help them double the rewards that they earn to maximize the value of their money.

If you’re interested in getting one, here’s what you need to know.

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Apart from making the most out of every purchase, there are also perks and benefits that you can enjoy from using the card in the store and also in other establishments and transactions.


Things to Know Before Applying for a JCPenney Credit Card

Before you apply for any credit card, it is always best that you learn some facts, especially when it comes to the JCPenney Credit Card.

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New cardholders will be treated to 1 point per $1 spent using the card. You also double the rewards earnings if you earn the Gold and Platinum status, so be sure to use the card for purchases throughout the entire year.

There are special coupons and bonus points as well as specific discounts depending on your elite status. You’ll also get an extra 35% off select purchases using your credit card, alongside the zero annual fee feature.


You can also get a $10 reward once you reach 200 points that you can use on almost anything that you like with the card.

Is This the Right Card For You?

The JCPenney Credit Card provides one of the best returns when you use it for purchases, especially when done in partner stores and establishments. The card has a lot of partner merchants that you can almost use anywhere you go.

This credit card might not be suitable for those who do not spend a lot using their card. But, if you’re after an exclusive status that comes with prestigious rewards, then the JCPenney Credit Card is the right card for you.


This credit card is also highly recommended for those who want to build their credit while also earning and reaping rewards.

Check Out The Features and Benefits of the JCPenney Credit Card

When you use the card for purchases like furniture, major appliances, fine jewelry, or any other transaction, you are immediately entitled to special financing offers.

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These offers can include special financing that lets you pay off your purchase in either 6, 12, 24, 36, 48, or 60 months depending on the amount and how you want to pay.

New cardholders can also get the first purchase discount that can be used to save as much as 15% on selected shoes, accessories, fine jewelry, apparel, and many other purchases.

You will also get a 5% discount on electronics. In the US, you can save up to 15% on custom blinds and shades. More so, cardholders can receive special offers on their birthdays, so they can use the card on such special occasions.

Rates and Fees

The JCPenney Credit Card offers a variable purchase APR of 30.24%, dependent on your creditworthiness.

Cardholders are not expected to pay any annual or monthly maintenance fee for the card. Late payments will be charged a fee of up to $38 for each instance, so always be sure to pay your bills on time.

You can install the JCPenney app on your mobile device and set up a notification or automatic payment on your bill to avoid this fee. The app is also super useful for keeping track of your expenses.

Download the JCPenney App

The JCPenney App is one of the most useful tools for those who have the JCPenney Credit Card.

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Not only can you set up automatic payments for your bills, but you also control your expenses with the help of the app.

You can check your remaining credit on the app as well as shop online. The app also lets you check your points and the rewards you are eligible to receive if you redeem your points.

Lastly, the app features several security features that let you shop and use your card safely.

Contact Details for Inquiries

If you have further inquiries, it is best to contact JCPenney using the number 1-800-542-0800 where you will be helped by a representative.

You can also send your inquiries through mail to JCPenney at P.O. Box 965009, Orlando, Florida 32896-5009.

Eligibility Requirements to Know Before You Apply

If you’re interested in applying for the JCPenney Credit Card, you need to learn their eligibility requirements so that the application process goes as smoothly as possible.

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You need to be 18 years old and above, a resident of the US, and have a good income. You must also have a Social Security Number for you to be qualified for the card.

A good credit score is also required if you want to apply for the JCPenney Credit Card. Remember that your credit limit will be based on your creditworthiness, which is tied to your credit score.

Make sure that you prepare all digital copies of the documents needed for the application.

What Is the Application Process for the JCPenney Credit Card?

Once you have all the documents, and you know you are eligible for the card, there are two ways for you to apply for the JCPenney Credit Card. You can head over to the store, or you can apply online.

Applying online requires that you complete the application form, where you will enter all your personal details and upload the necessary documents.

Review the terms and conditions associated with the card and send your application to JCPenney card issuer Synchrony Bank for approval. Most of the time, it takes a few minutes for you to know if you are approved or not.

When you apply in a store, a representative will walk you through the entire application process.


With its generous rewards points, discounts, and exclusive deals, you will certainly enjoy the benefits of having the JCPenney Credit Card.

The card is designed to make your shopping experience rewarding and more convenient. With offers that suit your lifestyle, you are assured to have everything that you need with this credit card.

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.