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JCPenney Credit Card
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The JCPenney store issued credit card comes with a 3 tier structured rewards program. All new accounts start at the bottom, but spend over $1,000 and you can unlock platinum tier, which makes Sephora bonus point shopping days available.

There was a time when the retailer was struggling that they considered removing the gold and platinum reward tiers, but shortly after the move was announced Synchrony Bank flipped flopped on the decision and reinstated gold and platinum card benefits.

If you want their latest deals and offers I recommend downloading the JCP App for Apple, or the JCP App for Android.

Annual Percentage Rate (APR)

Purchases: 27.49%
Minimum Interest if not paid in full every month: $2.00

Credit Card Fees

Annual: None
Late Payment: Up to $38.00

Sign-up Bonus and Benefits

15% off Standard Items or 5% off Restricted Items
15% off coupon valid for online applicants only. In-store applications may provide a different sign-up bonus offer.
Restricted Items: electronics, Design Your Dream Ring, Fitbit, and smartwatches.

JCPenney Rewards

  • Automatic enrollment in rewards program
  • Receive 1 point per dollar spent
  • Receive 1 point per 2 dollars spent if a different payment method is used
  • 200 points equals a $10 JCP gift certificate
  • Gift certificates can be obtained via email, phone app, website, or mail
  • Points expire if account goes inactive for a 12 month period of time

Platinum and Gold Status

  • Platinum unlocks after spending $1000 in a year
  • Gold unlocks after spending $500 in a year
  • Receive a Passbook of Coupons with Gold and Platinum membership
  • Sephora bonus points days for Platinum 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


Editor review

Overall rating 
Interest Rate (APR) 
Steven Merkel Reviewed by Steven Merkel May 08, 2014
Last updated: April 10, 2019
#1 Reviewer  -   View all my reviews (25)

Do You Recommend This Credit Card?

It is an above average store credit card and loyal customers will find value in owning this card.
Loyal shoppers that regularly shop at JCPenneys. Who else?

Is The Interest Rate Competitive

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

How Do You Like the Rewards

It gives you 15% off standard items which is a good enough reason to apply for just to make one large purchase and then cancel the card later on. The rest of the rewards are pretty normal for a store card.
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Is The Interest Rate Competitive
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