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JCPenney Credit Card
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Annual Percentage Rate (APR)

Minimum Interest if not paid in full every month: $2.00
Periodic Finance Offers? Yes
APR: 0%
Duration: 6, 12, 18, or 24 Months
Minimum Purchase Requirement? No

Credit Card Fees

Annual: None
Late Payment: Up to $35.000

Sign-up Bonus and Benefits

Receive 20% off your first purchase after being approved for an account.
  • 1 point per dollar spent at JCP
  • Special savings for card members


Apply Online or In-Store
Card Issuer: Synchrony Bank
Where Can I Use This Card? At all JCPenney retail outlets, CVS and RiteAid pharmacies. Online at and
Pay Your Bill Online


This is the most basic of the three JCPenney credit cards. They are phasing out the Privilege Gold and Privilege Platinum cards at the end of 2013. All of their cards are issued by Synchrony Bank.

Editor review

Overall rating 
Interest Rate (APR) 
Steven Merkel Reviewed by Steven Merkel May 08, 2014
#1 Reviewer  -   View all my reviews (21)

Do You Recommend This Credit Card?

We recommend consumers apply for this credit card! This is one of the better store cards, where the rewards are concerned, with the 10% back it easily trumps what other stores have to offer. The interest rate is a tad on the high side, which means you shouldn't carry a balance, or it will negate any benefit you've earned from shopping.
Who Will Get the Most Out of This Credit Card
Anyone that enjoys shopping at JCPenney or purchases large amounts of Sephore products. Although this card can be used at CVS and RiteAid your purchases made at those locations will not count towards the JCP gift certificate rewards.

Is The Interest Rate Competitive

The interest rate is high, but is inline with what other department store cards offer. Unfortunately APRs in the 20s is the norm for most stores.

How Do You Like the Rewards

When you apply either in-store or online you will receive a 20% discount on your purchase. This bonus expires the next day so be sure to spend it wisely. In addition to receiving the normal coupons and discounts, all cardholders are enrolled into JCP rewards which grants $10 gift certificates every time you spend $100 in a calendar month but spending does not carryover from month to month. For instance if you spend $150 in one month and then the next you spend $50 you will only receive one $10 certificate.
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