The JCPenney credit card, issued by Synchrony bank, is a store card that offers rewards based on your level of spending. With this card, you’ll earn 1 point per $1 spent with your JCPenney Credit Card; Earn 1 point per $2 spent any other way you pay.
Annual Fee
The annual fee for this credit card is $0.
Special Financing
24-month financing on purchases of $1,000 or more
Prequalify
Prequalify for this credit card with NO hard inquiry!
Credit Reporting
Capital One reports to all 3 credit bureaus and will check your Transunion Credit Report to approve you.
SIMILAR CREDIT CARDS
Are you a frequent shopper at JCPenney? Do you want to earn rewards for your shopping? If so, the JCPenney credit card may be just what you need.
The JCPenney credit card is issued by Synchrony bank and is a store card that allows customers to earn rewards based on their level of spending. The rewards program is simple – you earn 1 point per $1 spent with the JCPenney credit card and 1 point per $2 spent through any other payment method.
But what exactly are the rewards? Well, for every 200 points you earn, you’ll receive a $10 JCPenney reward. This means that for every $100 you spend with your JCPenney credit card, you’ll earn $5 in rewards. Not too shabby, right?
The rewards don’t stop there, though. JCPenney credit cardholders also receive exclusive coupons and offers throughout the year. These offers can include discounts on specific items, free shipping on online orders, and even extra rewards points.
But what if you’re already a JCPenney credit cardholder? You may be wondering if there are any other benefits to having this card. The answer is yes! JCPenney credit cardholders also receive special financing options on large purchases. For example, you can receive 12-month financing on purchases of $500 or more, and 24-month financing on purchases of $1,000 or more. This can be a great way to make a big purchase and pay it off over time without accruing interest.
Another great perk of the JCPenney credit card is the ability to earn even more rewards during special promotions. For example, during the holiday season, JCPenney may offer double or triple rewards points for every purchase made with your JCPenney credit card. This can be a great way to earn even more rewards and squeeze the most out of your shopping dollars.
Of course, with any credit card, it’s important to read the fine print and understand the terms and conditions. The JCPenney credit card carries an APR of 26.99%, which is quite high. This means that if you carry a balance on your card, you’ll be paying a lot in interest charges. It’s also important to note that the rewards points you earn do expire. You have one year from the date you earn them to use them before they expire.
So, is the JCPenney credit card right for you? It really depends on your shopping habits and financial situation. If you’re someone who shops at JCPenney frequently and can pay off your balance in full each month, then the rewards program and exclusive offers may be worth it. However, if you tend to carry a balance on your credit cards or don’t shop at JCPenney frequently, then it may not be the best fit for you.
Overall, the JCPenney credit card is a solid choice for those who love to shop at JCPenney and want to earn rewards and take advantage of special offers. Just be sure to use it responsibly and pay off your balance each month to avoid the high interest charges.
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