JCPenney Rewards Credit Card offers special discounts for frequent shoppers that spend at least $500 in a calendar year; this shopper will earn elite status and get to enjoy additional discounts. The JCPenney Rewards Credit Card will save you a whole lot. With 200 points, you get a $10 gift certificate to offset your next purchase.
Clothing, shoes, furniture, beddings, every item you can think of can be found in JCPenney stores. With no annual fee and only a fair credit score required for approval, the JCPenney Rewards Credit Card can help you improve your credit score while spending as little as possible.

JCPenney Rewards Credit Card

JCPenney Rewards Credit Card

JCPenney Rewards Credit Card Rewards

  • Get 1 point for every $1 of qualifying purchases
  • Save 20% on select apparel, shoes, accessories, fine jewelry, salon products, home furniture and mattresses, custom blinds and shades; save 5% on major appliances (Select Stores Only) and Modern Bride Diamond Vault. The 20% offer can be combined with another coupon and earn JCPenny rewards.
  • Get additional JCP Rewards and discounts when you hit Gold or Platinum status with qualifying purchases and points.
  • To get your $10 rewards via email, provide your email address.
  • Get a JCPenney Visa® Prepaid Card in mail worth $100- $500 on purchase of 2 or more qualifying major appliances starting at $398
  • Cardholders also get a promotional financing. The card offers 0% promotional financing for 18 or 36 months on furniture or mattress purchases of at least $500 or $1000, respectively.

JCPenney Rewards Credit Card Rates and Fees

Purchase Intro APR
0% for 18 – 36 months

Transfer Intro APR
Balance transfers not allowed

Regular APR
26.99%

Annual Fee
None

Maximum Late Fee
$38

Maximum Overlimit fee
None

Maximum Penalty APR
None

Grace Period
23 days

Online Response
No

Cash Advance Rate
N/A

Cash Advance Fee
N/A

Foreign Transaction Fee
N/A

Smart Chip
No

How to Apply for the JCPenny Rewards Credit Card

  • Open the link
  • Press on the option ‘New User’?
  • Register your card
  • Follow the four easy steps (by giving account number, credit card number details)
  • Complete the signup process.