Last Updated: 05/14/2026
SuperMoney User Recommendation Score -80
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Highlights
Community Rating
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
Annual Fee
Number of Reviews
JC Penney Credit Card Review
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of JCPenney credit card
| The Good | The Bad |
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JCPenney credit card FAQ
Does JCPenney credit card have a cash back or rewards program?
- Retail
| Description |
Does JCPenney credit card have a signup bonus?
This card doesn't offer a cash signup bonus.Does JCPenney credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for JCPenney credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Does JCPenney credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. JC Penney Credit Card does not offer balance transfers.Does JCPenney credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for JCPenney credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the customer service phone number for JCPenney credit card?
What is the support contact email for JCPenney credit card?
How do people rate the customer service and user experience of JCPenney credit card?
Does JC Penney Credit Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Synchrony Bank perform a hard credit pull?
How to apply for JCPenney credit card
- Visit the website of JCPenney credit card.
- 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.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Credit Cards from Synchrony Bank
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
N/A
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
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SuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -80, or 1.4 on a 5-point rating scale.
-80
JC Penney Credit Card Community Reviews
Would you recommend JC Penney Credit Card to your friends?
Dawn H.
Feb 15, 2024
May or may not recommend
Anonymous
Nov 4, 2022
May or may not recommend
Kenneth R.
Nov 18, 2020
May or may not recommend
Kevin V.
Oct 28, 2020
May or may not recommend
Alexandra G.
Oct 16, 2020
May or may not recommend
Showing 5 of 5 reviews
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