JC Penney Credit Card
in Personal Credit Cards from Synchrony Bank
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| Annual Fee | $0 |
| Purchase APR (Variable APR) | Starting at 27.99% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 600 - 850 |
JC Penney Credit Card Review
JC Penney Credit Card is a store rewards credit card issued by Synchrony Bank.
This card is designed for people with fair credit. The minimum credit score to apply is 600. If you're wondering whether JC Penney Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
| Pros | Cons |
|---|---|
|
|
|
Is there a JC Penney Credit Card cash back or rewards program?
JC Penney Credit Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:
- Retail
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does JC Penney Credit Card have a signup bonus?
JC Penney Credit Card doesn't offer a cash signup bonus.Does JC Penney Credit Card offer an annual loyalty bonus?
JC Penney Credit Card doesn't offer a cash loyalty bonus.What are the relevant APRs for JC Penney Credit Card?
JC Penney Credit Card has a variable purchase APR starting at 27.99% .
Does JC Penney Credit Card have an introductory APR offer?
JC Penney Credit Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Balance Transfer APR | N/A |
| Introductory Rate | N/A |
| Intro APR period (months) | N/A |
| Description | |
|---|---|
| Balance Computation | daily balance |
| Purchase APR | Starting at 27.99% |
| Credit Limit | N/A |
| Penalty APR | N/A |
| Cash Advance APR | N/A |
| Introductory Rate | N/A |
| Intro APR period (months) | N/A |
What are the JC Penney Credit Card fees?
The following fees apply to JC Penney Credit Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Late Payment Fee | up to $38 |
Does JC Penney Credit Card report your account activity to credit bureaus?
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 can help improve your credit score.
How to apply for JC Penney Credit Card
- Visit the Synchrony Bank website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
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.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website
may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking
on links posted on this website. Read more...
Contact
- Headquarters
-
200 Crossing Blvd Suite 101
Bridgewater, NJ 08807 - (866) 226-5638
- Visit Site
Other Services by Synchrony Bank
View all personal credit cards offered by Synchrony Bank
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Interest Grace Period for Late Payment | 23 |
| Annual Fee | $0 |
| No Annual Fee | |
| Minimum Interest Charge | $2 |
| Late Fee Amount | Up to $38 |
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29.99%
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650 - 850
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29.99%
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N/A
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650 - 850
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Maximum
Purchase APR
29.99%
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650 - 850
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29.99%
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N/A
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650 - 850
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$0
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29.99%
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650 - 850
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$0
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28.99%
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N/A
Credit Score Range
650 - 850
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29.99%
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N/A
Credit Score Range
N/A
Annual Fee
$0
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0% - 29.99%
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N/A
Credit Score Range
650 - 850
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Purchase APR
29.24%
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$0
Maximum
Purchase APR
29.24%
Balance Transfer APR
N/A
Credit Score Range
700 - 850
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N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
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29.99%
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N/A
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650 - 850
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29.99%
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29.99%
Balance Transfer APR
N/A
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650 - 850
Annual Fee
N/A
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29.99%
Balance Transfer APR
N/A
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$0
Purchase APR
29.99%
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N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
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650 - 850
Annual Fee
$0
Purchase APR
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29.99%
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Balance Transfer APR
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650 - 840
Annual Fee
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Annual Fee
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650 - 850
Annual Fee
$0
Starting
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
500 - 840
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$29
Maximum
Purchase APR
26.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Purchase APR
29.24%
Balance Transfer APR
N/A
Credit Score Range
700 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
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Credit Score Range
650 - 850
Annual Fee
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Maximum
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29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
26.99%
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Starting
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
26.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Maximum
Purchase APR
29.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Starting
Purchase APR
26.99%
Balance Transfer APR
N/A
Credit Score Range
560 - 750
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Starting
Purchase APR
28.24%
Balance Transfer APR
N/A
Credit Score Range
600 - 850
Annual Fee
$0
Starting
Purchase APR
26.99%
Balance Transfer APR
N/A
Credit Score Range
600 - 850
Annual Fee
$0
Maximum
Purchase APR
29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
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