Learn How to Apply for JCPenney Credit Card

The JCPenney credit card could be a great choice if you want to enhance your shopping experience with exclusive discounts and perks.

This guide will show you how to apply for this card, ensuring you're ready to enjoy its benefits.

Understanding the JCPenney Credit Card

JCPenney offers two main types of credit cards: the JCPenney Credit Card and the JCPenney Mastercard.

Each card has benefits and rewards, catering to different spending habits and preferences.


Here's a brief overview of each:

JCPenney Credit Card

  • Exclusive savings events for cardholders
  • Special financing offers
  • No annual fee

JCPenney Mastercard

  • All benefits of the JCPenney Credit Card
  • Earn points on purchases outside of JCPenney
  • Ability to use the card at any Mastercard-accepting merchant

Learn How to Apply for JCPenney Credit Card

Benefits and Rewards Associated with the Card

When you apply for a JCPenney credit card, you can access various benefits and rewards designed to enhance your shopping experience.


Here are some of the critical perks you can enjoy as a cardholder:

  • Exclusive Savings Events: Cardholders receive special discounts and offers, including extra savings during select sales.
  • Earn Rewards Points: Cardholders accumulate points with each purchase, redeemable for JCPenney rewards certificates.
  • Special Financing: Qualifying cardholders can make interest-free payments over time on select purchases.
  • No Annual Fee: The JCPenney credit card doesn't have an annual fee, making it a budget-friendly option for regular shoppers.
  • Birthday Gift: Cardholders receive a special birthday gift each year as a thank you for being a JCPenney credit card customer.
  • Additional Benefits: Cardholders enjoy perks like exclusive sales access, extended return policies, and more.

Interest Rates

When considering a credit card, understanding the interest rates is crucial. Here are the key interest rates associated with the JCPenney credit card:

  • Regular APR: The JCPenney credit card has a variable APR of around 26.99%, which can fluctuate based on market conditions.
  • Penalty APR: If you miss payments or exceed your credit limit, you may be subject to an APR penalty of up to 29.99%.
  • Introductory APR: Some promotional offers may include an introductory APR of 0% for a limited time on certain purchases.

Eligibility Criteria

You must meet specific eligibility criteria to apply for a JCPenney credit card.


Here are the essential requirements:

  • Age: Applicants must be at least 18 years old.
  • Credit Score: While specific requirements aren't disclosed, a fair credit score is generally needed for approval.
  • Income: You must have a steady income source to demonstrate your ability to repay the credit card debt.
  • Residency: You must be a resident of the United States or its territories to apply.

How to Apply

Applying for a JCPenney credit card is simple and can be done online or in-store. Here's a step-by-step guide on how to apply:

Online Application:

  1. Visit the JCPenney website and navigate to the credit card section.
  2. Click "Apply Now" and follow the prompts to create an account (if necessary).
  3. Fill out the online application form with your personal information, including your name, address, income details, and Social Security number.
  4. Review the application for accuracy and submit it online.
  5. Wait for a decision. If approved, you will receive your JCPenney credit card by mail.

In-Store Application:

  1. Visit a JCPenney store near you and locate the customer service desk.
  2. Request a credit card application form from a customer service representative.
  3. Fill out the application form with your personal information.
  4. Submit the completed application form to the customer service representative.
  5. Wait for a decision. If approved, you may receive a temporary card until your permanent card arrives in the mail.

Application Review:

  • Once your application is submitted, it will be reviewed by the credit card issuer.
  • The issuer will assess your creditworthiness based on your credit score, income, and debt-to-income ratio.
  • If additional information is required, the issuer may contact you for verification.

Approval or Rejection:

  • If your application is approved, you will receive your JCPenney credit card in the mail within a few weeks.
  • If your application is rejected, you will receive a letter from the issuer explaining why.


  • Once you receive your JCPenney credit card, you must activate it before using it.
  • You can activate your card online or by calling the activation number provided with your card.

Start Shopping:

  • Once your card is activated, you can start using it to make purchases at JCPenney and earn rewards points on your purchases.

Manage Your Account:

  • You can manage your account online once you have your JCPenney credit card.
  • You can view your account balance, pay your bill, and track your rewards points online.

Tips for Success

To make the most of your JCPenney credit card, consider these tips for success:

  • Maintain a Good Credit Score: Pay your bills on time and keep your credit utilization low to maintain a good credit score.
  • Use the Card Responsibly: Only charge what you can afford to pay off each month to avoid accumulating debt.
  • Maximize Rewards and Benefits: Take advantage of exclusive offers and rewards programs to get the most out of your card.
  • Monitor Your Account: Regularly check your account for unauthorized transactions and to track your spending.
  • Review Terms and Conditions: Familiarize yourself with the terms and conditions of your card to avoid unexpected fees or penalties.

Learn How to Apply for JCPenney Credit Card

Terms and Conditions

Understanding the terms and conditions of your JCPenney credit card is essential to avoid any unexpected fees or penalties.

Here are some key terms and conditions to be aware of:

  • Annual Percentage Rate (APR): The JCPenney credit card has a variable APR of around 26.99%, which can vary based on market conditions.
  • Late Payment Fees: A fee of up to $39 may be charged if you do not make your minimum payment by the due date.
  • Returned Payment Fees: If your payment is returned for insufficient funds, a fee of up to $39 may be charged.
  • Foreign Transaction Fees: A fee of 3% of the transaction amount in U.S. dollars may apply for transactions made outside the United States.
  • Minimum Payment: Your minimum payment is $25 or 1% of your total balance plus any interest and fees.
  • Grace Period: The JCPenney credit card offers a 23-day grace period for new purchases if you pay your balance in full by the due date.
  • Credit Limit: Your maximum charge amount is determined by your creditworthiness.
  • Credit Card Benefits: The JCPenney credit card offers rewards points, unique financing options, and exclusive discounts.
  • Account Closure: Contact JCPenney credit card customer service to close your account; any remaining balance must be paid in full.
  • Changes to Terms: JCPenney may change your credit card agreement at any time and will notify you in writing.

Contact Details

For any inquiries regarding your JCPenney credit card, you can contact customer service using the following information:

  • Customer Service: (972) 431-1000
  • Main: (614) 863-8800
  • Primary Address: 6501 Legacy Drive, Plano, TX 75024, USA

Summing It Up

In conclusion, applying for a JCPenney credit card can be a straightforward process that offers cardholders a range of benefits and rewards.

Understanding the application process, eligibility criteria and card terms and conditions can help you make an informed decision.

It can also help you maximize the advantages of having a JCPenney credit card for your shopping needs.


The information provided in this article about applying for the JCPenney Credit Card is for general informational purposes only.

It is not intended to be financial advice. Please consult with a financial advisor or JCPenney representative for personalized guidance.

JCPenney reserves the right to change the terms and conditions of the card at any time.