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  JC Penney Credit Card

JC Penney Credit Card

in Personal Credit Cards from Synchrony Bank

Unaffiliated

JC Penney Credit Card

Unaffiliated

in Personal Credit Cards from Synchrony Bank

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Highlights
Highlights
Purchase APR  (Variable APR) 27.49%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

JC Penney Credit Card Review

JC Penney Credit Card is a store rewards credit card issued by Synchrony Bank. 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.

Key takeaways:

  • 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 stand a chance of qualifying if your credit score is not below 600.

JC Penney Credit Card Pros and Cons:

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.
  • Cardholders can earn rewards on their purchases.
  • 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 rewards.

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
JC Penney Credit Card Rewards
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?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. JC Penney Credit Card has higher than average purchase APRs.

JC Penney Credit Card has a variable purchase APR of 27.49%.

Does JC Penney Credit Card have an introductory APR offer on balance transfers?

No, JC Penney Credit Card does not come with an introductory APR offer for balance transfers.

Does JC Penney Credit Card have an introductory APR offer on new purchases?

JC Penney Credit Card does not offer an introductory rate on new purchases.
JC Penney Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for JC Penney Credit Card?

The following fees apply to JC Penney Credit Card:

JC Penney Credit Card Fees
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 JC Penney 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 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...

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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

Every Purchase (Points) $1 spent = 1 point with your JCPenney Card. Earn up to 2000 points on a single purchase
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $2
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Card Type
  • Rewards
  • Store Card
Card Network Other
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Categories Retail
Rewards Type Points
Balance Computation daily balance.
Purchase APR (Variable APR) 27.49%

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SUPERMONEY NET RECOMMENDATION SCORE

0%

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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Balance Transfer APR N/A Balance Transfer APR
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Purchase APR 29.99% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Synchrony Car Care

Synchrony Car Care

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Starting Purchase APR 29.99% Starting Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 500 - 840     300 850
Annual Fee $0 Annual Fee
REEDS Jewelers Credit Card

REEDS Jewelers Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Sleep Experts Credit Card

Sleep Experts Credit Card

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Purchase APR 29.99% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Sewing & More Credit Card

Sewing & More Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Specialized Bicycle Components Credit Card

Specialized Bicycle Components Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
System Pavers Credit Card

System Pavers Credit Card

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Maximum Purchase APR 26.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $29 Annual Fee
Sutherlands Credit Card

Sutherlands Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Summit Racing Equipment Speed Card®

Summit Racing Equipment Speed Card®

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Stein Mart Credit Card

Stein Mart Credit Card

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Maximum Purchase APR 29.24% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Stein Mart Platinum MasterCard®

Stein Mart Platinum MasterCard®

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Purchase APR 29.24% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee N/A Annual Fee
The Container Store Credit Card

The Container Store Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Tire Pros® Preferred Customer Credit Card

Tire Pros® Preferred Customer Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Westrich Furniture & Appliances Credit Card

Westrich Furniture & Appliances Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Sheely's Furniture Credit Card

Sheely's Furniture Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Airport Home Appliance & Mattress

Airport Home Appliance & Mattress

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Kiesel Guitars Credit Card

Kiesel Guitars Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Karastan Credit Card

Karastan Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Mathis Brothers Furniture Credit Card

Mathis Brothers Furniture Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Mitsubishi Electric Credit Card

Mitsubishi Electric Credit Card

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Maximum Purchase APR 26.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range N/A Credit Score Range
Annual Fee N/A Annual Fee
Hannoush Jewelers Credit Card

Hannoush Jewelers Credit Card

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Starting Purchase APR 29.99% Starting Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Woodwind & Brasswind Credit Card

Woodwind & Brasswind Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Town Fair Credit Card

Town Fair Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Tuffy Tire & Auto Service Credit Card

Tuffy Tire & Auto Service Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
B&H Store Credit Card

B&H Store Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
B&H payboo Credit Card

B&H payboo Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
QVC Credit Card

QVC Credit Card

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Maximum Purchase APR 29.24% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
RiteRug Flooring Credit Card

RiteRug Flooring Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Precision Tune Credit Card

Precision Tune Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Regency Furniture Showrooms Credit Card

Regency Furniture Showrooms Credit Card

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Maximum Purchase APR 29.99% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Old Navy Credit Card

Old Navy Credit Card

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Starting Purchase APR 28.24% Starting Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Lowe's Advantage Card

Lowe's Advantage Card

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Starting Purchase APR 26.99% Starting Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Infiniti Visa Card

Infiniti Visa Card

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Purchase APR 25.49% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range N/A Credit Score Range
Annual Fee N/A Annual Fee
Nissan Visa Card

Nissan Visa Card

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Maximum Purchase APR 25.49% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee N/A Annual Fee
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