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  JC Penney Credit Card

JC Penney Credit Card

in Personal Credit Cards from Synchrony Bank

Claimed

JC Penney Credit Card

Claimed

in Personal Credit Cards from Synchrony Bank

Net Recommendation Score -67

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -67, equating to 1.7 on a 5 point rating scale.

-67

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.

Rating not yet determined  

0 users recommend
1 user is unsure
2 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

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

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.

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 will have good approval oods if your credit score is above600.
Pros & Cons of JCPenney credit card
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.
JCPenney credit card FAQ

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

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 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%.

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.

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?

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.

What is the customer service phone number for JCPenney credit card?

The JCPenney credit card customer service number is (866) 226-5638.

What is the support contact email for JCPenney credit card?

The support contact email for JCPenney credit card is customer.service@mail.synchronybank.com.

How do people rate the customer service and user experience of JCPenney credit card?

Overall, JCPenney credit card is strongly not recommended based on community reviews that rate customer service and user experience.

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.

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.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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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

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
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Categories
  • Retail
Balance Computation daily balance.
Purchase APR (Variable APR) 27.49%
Card Type
  • Rewards
  • Store Card
Card Network Other

JC Penney Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -67, equating to 1.7 on a 5 point rating scale.

-67

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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