FREE shipping at jcp.com! With this card, earn 1pt/$1 spent at JCPenney stores and outside of JCPenney, you’ll earn 2pts/$1 spent on ALL dining and travel purchases (and up to $1,000 in monthly grocery store purchases from November 1, 2020, to April 30, 2021). The free JCPenney mobile app (for Apple and Android) provides cardholders with a quick and easy way to manage their account, and it’s actually rated really well in the iTunes app store: 4.7 stars from over 224,000 ratings. During the transaction, the rewards certificate will be applied first before any other discounts or coupons. This site does not include all credit card companies or all available credit card offers that are on the market. Vernon opened an account in my name when I made a purchase so I would save more. Every single credit card on the market comes with pros and cons. • Spend $500 or more on merchandise or services at JCPenney Stores or jcp.com with your JCPenney credit card in a calendar year to earn or maintain JCPenney Gold Status. Customers receive the most up-to-date terms and conditions in the mail when they receive their upgraded card and welcome packet. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Hi Mary. Having a JCPenney Credit Card can make your department store shopping more worthwhile. We take your comments very seriously as they really help us to improve the site. She caught the travel bug just after high school when her grandmother took her on a two-week, whirlwind trip around Europe. We discuss points earning in detail in the in-depth rewards section below. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Lastly, it has been widely noted that JCPenney places a pretty high markup (as much as 30% by some reports) on their inventory in order to make sales more appealing to the consumer. Basic JCPenney Rewards members who do not hold a JCPenney credit card receive 1 point for every $2 spent, so cardholders are essentially earning double rewards at the 1:1 ratio. Plus, save 5% on electronics (including TV’s), Modern Bride® Design Your Dream Ring, and smart watches. Credit card issuers want to see a strong credit history, steady income, and low credit utilization. But remember that having this credit card doesn’t mean you should spend beyond your limits. It’s also important to note that there’s a massive APR on this card, so be sure to you pay your statement balance in full, on time, every month. The best way to avoid fees and penalties? The JCPenney Credit Card requires a credit score of 640 or higher for approval. No bonus points earned at all even though they say you will earn points. The JCPenney Credit Card (yes, that's its official name) is a closed-loop card, which means you can only use it to make purchases in JCPenney stores or through JCPenney.com. I have a JC Penney MasterCard and I believe we get everything the other card gets plus 1 reward point for every dollar we spend elsewhere. (More on this in the Fees & Drawbacks section below.). *Purchases subject to credit approval. So what about their credit card — does it stand up to the store-branded cards offered by other retailers? This site does not include all credit card companies or all available credit card offers that are on the market. Please see our Advertiser Disclosure for more details! With the JCPenney credit card, the variable APR on purchases is a high 27.49% (as of 12/19/2019). 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