
JC Penney Credit Card
in Personal Credit Cards from Synchrony Bank
Would you recommend JC Penney Credit Card to your friends?
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.
- 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.
The Good | The Bad |
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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
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:
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.
Contact
- Headquarters
-
200 Crossing Blvd Suite 101
Bridgewater, NJ 08807 - (866) 226-5638
- Visit Site
- Email Support
Other Services by Synchrony Bank

Availability
- 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 |
JC Penney Credit Card Community Reviews
Would you recommend JC Penney Credit Card to your friends?
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