Also, when you receive your rewards certificates, they can only be utilized at JCPenney. Earn More Perks From Your Credit Card. You need fair credit or better to get a JCPenney credit card. 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. There is no limit to the number of $10 rewards certificates that an individual can earn. It’s also got great rewards. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app. Just looking to make a payment? Is there a number that I can call so I can know if I qualify for the MasterCard? I actually had a customer service supervisor tell me that I should be grateful for this “gift” that jcpenneys was giving me!!! So what is deferred interest, and how could it get me in trouble? JCPenney provides cardholders with 2 different platforms for managing their account: online and via their mobile app. We’ll go into this in more detail in the Login & Account Management section below. If you have specific questions about your JCPenney Credit Card account that are credit-related or account-related-including changing your mailing address-and you can't find what you're looking for in the FAQ section of the JCPenney online credit center, please call JCPenney Credit … Mainly, we’re wondering if cardholders earn 1 point/$1 spent anywhere, or just at JCPenney (and associated stores)? Most credit card review sites agree that applicants should be approved if they have a “fair” or better credit score. ), you could earn 1 point per dollar. Receive $10 certificate per 200 points earned, Alternative Rewards Credit Cards (Our Recommendations), Online (Or App-Based) Login & Account Management. *A different offer may be available in store. Currently, the JCPenney credit card can be used for purchases at JCPenney, JCPenney.com, Sephora stores inside JCPenney stores, Sephora.com, Rite Aid, and Riteaid.com. Especially since 1:1 is not the best earnings ratio, when you consider many other rewards based credit cards offer bonus points in everyday spending categories like gas, dining, travel, etc. Shop with your JCPenney Credit Card at any of these locations*: JCPenney, jcp salon, The Salon by InStyle, jcp.com, JCPenney Optical, Teleflora, Sephora inside JCPenney, JCPenney Portraits, Rite Aid. At 27.99%, carrying a balance on this card can get you into trouble FAST. Receive alerts when payment is due or a payment is posted. The best way to avoid fees and penalties? However, JCPenney credit card for Visa or MasterCard utilized anyplace these cards are acknowledged. Cardholders will receive even deeper discounts than regular rewards members on Special Savings Days. This site does not include all credit card companies or all available credit card offers. If you have a basic JCPenney card, you can’t use it anywhere besides JCPenney, jcp.com, Rite Aid, the Sephora stores inside JCPenney, and (most recently) online at Sephora. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). JCPenney has 875 stores across the United States and Puerto Rico where you can buy everything from a new wardrobe or a new refrigerator all financed using the JCPenney credit card offered through Synchrony Bank. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. We discuss points earning in detail in the in-depth rewards section below. Online: If you have a valid email address linked to your rewards program account, you will receive your certificate via email. Similarly, the rewards can only be used at JCPenney. Earn 2x points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out. Synchrony Bank Credit Card chat services also confirmed on August 14, 2018 that if an account qualifies, it can still be upgraded to a JCPenney Mastercard. • 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. However, as of 2014, the gold and platinum programs were discontinued. Sorry you are having trouble paying your bill. Hi Ana! Currently, the online application offer allows approved cardholders to save 15% on select apparel, shoes, accessories, fine jewelry, salon products, furniture and mattresses, and home purchases. Called the company to see if I could switch back to just a JCP card. Plus, save 5% on electronics (including TV’s), Modern Bride® Design Your Dream Ring, and smart watches. 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. We’d be grateful for the clarification! So unless you’re an avid JCPenney shopper, you’re unlikely to rack up points quickly. What a mess! Unfortunately, there is no way to check for pre-approved offers online or via phone with Synchrony Bank – which is who issues the JCPenny MasterCard. You can contact JCPenney tech support at 800-527-4403 to help you access your bill online. All Rights Reserved. Cardholders should absolutely differentiate between “No Interest” and “No Interest If Paid In Full Within” in the terms and conditions. With deferred interest, if you pay off your purchase in full within the promotional period, no interest will be applied — hooray, you’ve successfully taken advantage of the benefit! Any time you take advantage of a special financing offer, you should be explicitly aware of the terms and conditions. The JCPenney credit card can maximize your rewards if you enjoy shopping at JCPenney. If you have any query, then please let us know in the comment section below. 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. Users can perform all the same tasks within the app that they would in the desktop/web platform: If you’re an avid JCPenney shopper, you could benefit from having this card in your wallet. We love feedback! Qualifying purchases made on a JCPenney Home Services Credit Card include Home Service purchases, e.g. JCPenney stores are most common in other shopping malls in the suburbs. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. I have 2 purchases that were charged to my JCPenney Mastercard that I haven’t received. These “SALE” prices are likely what you’ll find as baseline prices for the same item elsewhere. Credit card issuers want to see a strong credit history, steady income, and low credit utilization. Get unlimited DoorDash deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, Good to Excellent Credit Recommended (670-850). While it offers great rewards for JCPenney shoppers, it also carries a high APR. Hi Mary. JCPenney Credit Card is designed for common users of JCPenney. It also available for best discount offers and rewarded point. Please cancel my card and reinstate my husbands card. I liked my JCP credit card but the new mastercard is horrible. Credit scores aren’t the only factor affecting an applicant’s eligibility for approval, though, as annual income and overall creditworthiness are important, too. Getting an immediate decision is a possibility whether you apply for a JCPenney credit card … If you'd like to add a comment to this article and share your valuable feedback and opinions, please click here to leave your comment. No, the JCPenney credit cards do not have an annual fee. The JCPenney credit card gives instant approval to some applicants who clearly meet the eligibility requirements, but JCPenney does not publicly disclose the exact criteria for earning instant approval. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. My account #ending in XXXX does work. In any case, since you can just utilize the card at JCPenney… Of course, if you return a purchase the points are revoked. In U.S. stores only, save 15% on custom blinds and shades, and 5% on major appliances. There are a number of other quality cash-back rewards cards available. That was that - she's been gallivanting around the globe ever since (26 countries & counting)! There are a number of other excellent rewards-based cash-back credit cards out there that would likely earn you more in value than the cards offered by JCPenney, and certainly with lower APR’s initially. Questions or comments? As we mentioned above, JCPenney credit card holders technically earn rewards twice as fast as regular rewards members. In addition, as an Amazon Associate we earn from qualifying purchases. There is no annual fee for this card. Enjoy great deals on furniture, bedding, window home decor.Find appliances, clothing shoes from your favorite brands. 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. The JCPenney Credit Card is issued by Synchrony Bank. Once you reach 200 points, you’ll earn a $10 rewards certificate. may qualify for special financing offers. Overview | JCPenney Credit Cards. *Purchases subject to credit approval. For those of you who love to travel (or simply want to travel more than you do now), consider one of the most popular travel cards out there — the Chase Sapphire Preferred® Card. In this review, we’ll cover everything from benefits, fees, and drawbacks, to the application process, online account management, and more. They assured me that they would fix the problem but have not done so. Having a JCPenney Credit Card can make your department store shopping more worthwhile. manage credit account, Open your account online to enjoy these exclusive benefits, Earn 2X the rewards points with a JCPenney Credit Card - receive 1 point per dollar spent on qualifying purchases.†, Available on qualifying purchases for furniture, mattresses, fine jewelry and more.‡. The JCPenney Credit Card is a great option for anyone looking to earn an easy 5% return shopping at in-store and online with JCPenney. HVAC, bath remodeling, hot water heaters and related services purchased through JCPenney.”. Welcome to the JCPenney Online Credit Center operated by Synchrony Bank ("SYNCB"), the issuer of the JCPenney Card. Offers may include special financing for 6, 12, 24, 36, 48, or 60 months. That depends. Contact Jcpenney customer service. This means monitoring your finances closely, spending wisely, and paying off your balance on time, in full, each month. 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The JCPenney Credit Card is a store card that is only usable at JCPenney. Neither JCPenney nor Synchrony bank lists the official requirements for approval on a JCPenney credit card. Enjoy exclusive offers throughout the year with 100+ special savings days where JCPenney Credit Card members save more. The JCPenney credit card isn’t a store card. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. Rewards points don’t expire as long as the member’s account stays active — meaning the cardholder must make a purchase/earn points at least once in a 12-month period. They usually take about 24 hours to appear. But there are some serious drawbacks to consider. When applying for new credit it’s important to know what your credit scores are and what’s on your credit reports. This is especially true if you utilize bonus shopping days make sure you’re spending on the right products (watch out for inflated prices to make sales seem more lucrative!). Points are earned on the dollar amount after all discounts and coupons have been applied. This representative stated he was able to access the terms and conditions within the employee portal, but could not send us the full file over chat at this time. It is pretty useful when they offer financing appliances for no interest though. So we hope like this article and very informative for you. Utilizing JCPenney Credit Card to purchase any item like apparel, adornments, and hardware after furniture that is the best use forever. Last Thoughts on the JCPenney Credit Card. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. JCPenney discount code: save 35% on fine jewelry when you pay with a JCP credit card JCPenney coupon code: take 25% off your order total with a JCP credit card JCPenney promo code: take $10 off selected toy purchases If you can’t pay the balance in full, you should pay as much as you possibly can on time and pay off the rest as soon as possible. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. The JCPenney card can be approved instantly, but in some cases the application may require further review. Previously, JCPenney gave cardholders an avenue to achieve gold/platinum card status (with additional benefits) by hitting certain spending levels. 5% of the transaction or $10.00 (whichever is higher). For more information on our advertisers, see here. Please be advised that we are not JCPenney, we are a blog sharing information on travel and credit cards. My credit card dates back to 1975!!! This one’s pretty self-explanatory, but we go into more detail on earning/redeeming rewards in the in-depth rewards section below. The rep also responded that there is currently no PDF or online file that relates this information; cardholders are simply mailed the information once they are upgraded to the Mastercard. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These ratings and reviews are provided by our users. Where you’ll want to watch out in terms of fees is the massive APR (27.99%) and the trouble you could get into if you default on the “special financing options” available with these cards. **As mentioned earlier, there is no file accessible/available online for the terms and conditions of this card. Click here to see a list of advertisers that we work with. If a member does not have either option available, they can give their linked phone number or email address at checkout. Most credit card offers require very good credit. If you shop there a lot and take advantage of their sales (beware of price inflation! In-store: A reward certificate is available almost immediately after earning it, and it can be used toward the next transaction anytime thereafter. Note: There are risks involved when applying for and using a credit card. https://www.jcpcreditcard.com/eSecurity/Login/login.action?clientId=jcpenney&accountType=generic&langId=en. Remember, you can only use this card at JCPenney (jcp.com, Sephora inside JCPenney, Sephora.com, and Rite Aid) unless you have the Mastercard version — which you can’t actually apply for, only be upgraded to. While JCPenney and Synchrony don’t list the credit requirement for this card, most review websites report that applicants should be approved if they have a credit score of “fair” or better. You can attempt this JCPenney credit card login after any Bills Pay on the web. I have spent some time trying to go back on old statements to verify when they were paid for. However, when calling JCPenney Credit Services customer service on August 14, 2018, they verbally confirmed that the company/Synchrony Bank does still provide upgrades to the JCPenney Mastercard if a cardholder meets specific criteria/qualifications…which they were not allowed to disclose. Was pure cast rewards after the discounts few years back. shipping, delivery or installation charges, and restocking or recycling fees). You agree that unauthorized use does not include use by a person to whom you have given authority to use the Account or Card and that you will be liable for all use by such a person. 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Our advertisers, see here recent change ( without any notification ) now deducts before! On purchases is a symbol in the comment section below. ) which card they for! That means it will be crucial that you have to spend on the dollar amount all... A valid email address at checkout now, my husbands card # xxxxxx does not have affiliation! In with your username and password now, my husbands card available credit card jcpenney credit card may upgraded. Name when I made a purchase the points are earned on the market cardholders will receive rewards!, effectively diminishing the value is less blog sharing information on our advertisers, see.... Application may require further review get on JCPenney.com to pay your bill online rewards certificates that an individual earn. Around for over 100 years ( seriously! ) and contributes to upgraded points, a blog in. The reward is applied before discounts so the value of the credit card to purchase any item apparel! Most credit card for Visa or Mastercard utilized anyplace these cards are acknowledged Center operated Synchrony... I haven ’ t a store card online and via their mobile app discount and! Not work Service purchases, e.g as baseline prices for the basic card and a Mastercard by... Plus, with a true cash-back card, you can attempt this JCPenney credit on! Return a purchase the points are revoked remodeling, hot water heaters and related services purchased through ”... All available credit card can not be considered financial, tax or legal advice whichever is higher ) the but!