JC Penney Credit Card Review

This is a store rewards credit card issued by Synchrony Bank. If you're wondering whether JCPenney credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 27.49%
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

The Good	The Bad
Special financing available 150 + credit savings days No annual fee. Considers applicants with fair or poor credit. Cardholders can earn rewards on their purchases. JC Penney Credit Card reports to multiple credit bureaus.	High interest rate Special financing is null and void if minimum payment is not made on time every month. All interest will be owed if payments are late.. Higher than average purchase APRs. Does not offer a signup bonus. You don't earn rewards on every purchase. Does not include many credit card benefits.

Does JCPenney credit card have a cash back or rewards program?

JCPenney credit card is a rewards card. This card features rewards for purchases in the following categories:

• Retail

JCPenney credit card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the relevant APRs for JCPenney credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 27.49%.

What are the fees for JCPenney credit card?

The following fees apply:

JCPenney credit card Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	up to $38

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does JC Penney Credit Card report your account activity to credit bureaus?

Yes, JC Penney Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for JCPenney credit card

• Visit the JCPenney credit card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.