You need fair credit or better to get a JCPenney credit card. Is there a number that I can call so I can know if I qualify for the MasterCard? If not, do they at least earn 1 point per $2 spent anywhere, or is it simply a card to use outside of JCPenney without earning points? Hi Shirley. This representative stated he was able to access the terms and conditions within the employee portal, but could not send us the full file over chat at this time. Credit card issuers want to see a strong credit history, steady income, and low credit utilization. The biggest monster you’re battling here is the ridiculously high APR. It also available for best discount offers and rewarded point. No responsibility will be taken by the bank advertiser for these comments. Online, shoppers will want to be sure they are logged into their account prior to making a purchase; this will ensure the rewards certificate is listed as an available option for payment at checkout. Most credit card offers require very good credit. (We’ll have more about alternative cards in the next section.). Always act as a responsible cardholder. For more information on our advertisers, see here. Once you have done so, you can simply log in with your username and password. The reward is applied before discounts so the value is less. These “SALE” prices are likely what you’ll find as baseline prices for the same item elsewhere. JCPenney is a symbol in the retail business and one of the nation’s most seasoned retail establishments. Their rewards program continues to deteriorate and be less valuable. Now, my husbands card #xxxxxx does not work! We've upgraded our site! Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. I have a JC Penney MasterCard and I believe we get everything the other card gets plus 1 reward point for every dollar we spend elsewhere. Basic JCPenney Rewards members who do not hold a JCPenney credit card receive 1 point for every $2 spent, so cardholders are essentially earning double rewards at the 1:1 ratio. Click here to see a list of advertisers that we work with. Where you’ll want to watch out in terms of fees is the massive APR (27.99%) and the trouble you could get into if you default on the “special financing options” available with these cards. The card has a 26.99% APR, which is steep if you carry a balance. In addition, as an Amazon Associate we earn from qualifying purchases. Lastly, it has been widely noted that JCPenney places a pretty high markup (as much as 30% by some reports) on their inventory in order to make sales more appealing to the consumer. As their stock continues to sink, they maybe going the way of Sears. He was, however, able to relate some fees and penalties over chat, which have been included in the “At A Glance” table above and the “Fees & Drawbacks” section below. That depends. The rep also responded that there is currently no PDF or online file that relates this information; cardholders are simply mailed the information once they are upgraded to the Mastercard. doxo is the simple, protected way to pay your bills with a single account and accomplish your financial goals. Plus, save 5% on electronics (including TV’s), Modern Bride® Design Your Dream Ring, and smart watches. Get unlimited DoorDash deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, Good to Excellent Credit Recommended (670-850). Questions or comments? Getting approved for a JCPenney Credit Card requires a little planning. Sorry you are having trouble paying your bill. There are a number of other excellent rewards-based cash-back credit cards out there that would likely earn you more in value than the cards offered by JCPenney, and certainly with lower APR’s initially. No bonus points earned at all even though they say you will earn points. You can also access your certificate in your online rewards account portal or through the mobile app. Individuals who want to apply for a JCPenney credit card can do so in 2 ways: Remember, you cannot apply outright for the JCPenney Mastercard. Editorial Disclosure: The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. I have 2 purchases that were charged to my JCPenney Mastercard that I haven’t received. The JCPenney Credit Card is a store card that is only usable at JCPenney. If you can’t pay the balance in full, you should pay as much as you possibly can on time and pay off the rest as soon as possible. JCPenney Credit Card Managing your JCPenney credit card is now easier than ever with our app! We discuss points earning in detail in the in-depth rewards section below. Lastly, don’t forget that the Chase points you’ll collect are very valuable when used for maximum value! Offers good upon new JCPenney Credit Card account approval. Can you please tell me how to get this done? JCPenney discount code: save 35% on fine jewelry when you pay with a JCP credit card JCPenney coupon code: take 25% off your order total with a JCP credit card JCPenney promo code: take $10 off selected toy purchases That means a credit score of 640+. Previously, JCPenney gave cardholders an avenue to achieve gold/platinum card status (with additional benefits) by hitting certain spending levels. At this point, applicants are usually notified of approval/denial within 7-10 days. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. If you have specific questions about your JCPenney Credit Card account that are credit-related or account-related-including changing your mailing address-and you can't find what you're looking for in the FAQ section of the JCPenney online credit center, please call JCPenney Credit … Please consider leaving us a 5-star rating! JCPenney provides cardholders with 2 different platforms for managing their account: online and via their mobile app. We take your comments very seriously as they really help us to improve the site. Of course, if you return a purchase the points are revoked. Hot Tip: If you’re a JCPenney Mastercard user and can weigh-in on the above confusion — leave us a message in the comments below. Rewards points don’t expire as long as the member’s account stays active — meaning the cardholder must make a purchase/earn points at least once in a 12-month period. © 2020 Upgraded Points™, LLC. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. The free JCPenney mobile app (for Apple and Android) provides cardholders with a quick and easy way to manage their account, and it’s actually rated really well in the iTunes app store: 4.7 stars from over 224,000 ratings. This one’s pretty self-explanatory, but we go into more detail on earning/redeeming rewards in the in-depth rewards section below. Huh??? Potential cardholders do not get to choose which card they apply for; the initial application is submitted for a basic JCPenney credit card. In this review, we’ll cover everything from benefits, fees, and drawbacks, to the application process, online account management, and more. If you use a different payment method, you will receive 1 point for every $2 spent on a … Remember, you can only use this card at JCPenney (jcp.com, Sephora inside JCPenney, Sephora.com, and Rite Aid) unless you have the Mastercard version — which you can’t actually apply for, only be upgraded to. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Qualifying purchases made on a JCPenney Home Services Credit Card include Home Service purchases, e.g. During the transaction, the rewards certificate will be applied first before any other discounts or coupons. Also, when you receive your rewards certificates, they can only be utilized at JCPenney. The JCPenney Credit Card is issued by Synchrony Bank. We can assume the basic main benefits are the same as the JCPenney Credit Card including: Double member reward points (1 point per $1 spent at JCPenney) Receive $10 certificate per 200 points earned Special financing offers Exclusive coupons & special savings days First purchase discount Birthday offer, As for additional perks other than being able to utilize the card anywhere Mastercard is accepted? The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. He has had the account for many years. Please be advised that we are not JCPenney, we are a blog sharing information on travel and credit cards. FREE shipping at jcp.com! You can apply in store or online by visiting our credit card application page. However, unless you’re a regular JCPenney shopper, you may be better off with a regular secured credit card. Hot Tip: Do not confuse non-expiring points with rewards certificates — your rewards certificate will have a clearly printed expiration date. They do periodically send out pre-approved offers in the mail though. Home: Apply now: My account: Pay my bill: JCPenney Rewards : Card benefits: Gold & Platinum status: FAQs However, if you don’t pay off your balance in full within the promotional period, interest charges will be imposed on the starting balance at the APR for regular purchases retroactively from the date of purchase. Skip login or registration and pay as a guest. Information related to the JCPenney Mastercard® is very difficult to find online. At 27.99%, carrying a balance on this card can get you into trouble FAST. So what is deferred interest, and how could it get me in trouble? That means it will be crucial that you pay off your balance each month or the finance charges could get very expensive. Utilizing JCPenney Credit Card to purchase any item like apparel, adornments, and hardware after furniture that is the best use forever. Currently, the JCPenney credit card can be used for purchases at JCPenney, JCPenney.com, Sephora stores inside JCPenney stores, Sephora.com, Rite Aid, and Riteaid.com. For those of you who love to travel (or simply want to travel more than you do now), consider one of the most popular travel cards out there — the Chase Sapphire Preferred® Card. Both the JCPenney credit card and the JCPenney Mastercard are issued by Synchrony Bank. All Rights Reserved. We have eliminated the account numbers in your comment for security purposes. Mainly, we’re wondering if cardholders earn 1 point/$1 spent anywhere, or just at JCPenney (and associated stores)? JCPenney department stores have been around for over 100 years (seriously!). The most recent change (without any notification) now deducts rewards BEFORE applying coupons, effectively diminishing the value of the rewards. Cardholders will receive a special birthday offer if they meet certain conditions: their birth date is on file, they have used their card for at least 1 purchase in the last 12 months, and their account is in good standing. When using your JCPenney card for purchases at JCPenney or jcp.com, you’ll automatically earn 1 point for every $1 spent (while non-cardholders earn 1 point for every $2 spent) up to the “Point Maximum” of 2,000 points in a single transaction. However, above declared information about JCPenney Credit Card Login and JCPenney Credit Card payments is a very easy way. When researching for this review, there was such a lack of information about this card that we weren’t even completely sure the Mastercard upgrade was still available. JCPenney Credit Card. The JCPenney credit card gives instant approval to some applicants who clearly meet the eligibility requirements, but JCPenney does not publicly disclose the exact criteria for earning instant approval. Getting an immediate decision is a possibility whether you apply for a JCPenney credit card … It’s best, however, if you are able to pay off your balance each month before interest takes effect. Most credit card review sites agree that applicants should be approved if they have a “fair” or better credit score. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). JCPenney stores are most common in other shopping malls in the suburbs. Enjoy exclusive offers throughout the year with 100+ special savings days where JCPenney Credit Card members save more. Please cancel my card and reinstate my husbands card. Earn 1 point per dollar spent on all other purchases. Hi Ana! Hi Mary. We’d be grateful for the clarification! Credit scores aren’t the only factor affecting an applicant’s eligibility for approval, though, as annual income and overall creditworthiness are important, too. What a mess! The basic JCPenney credit card can be used at the following retailers: The JCPenney Mastercard can be used at the above stores as well as anywhere Mastercard is accepted. I recommend you call the phone number on the back of your credit card and speak to a customer service member. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Of note: if you’re making an online purchase, the points are alotted once the item has shipped. Basic JCPenney Rewards members who do not hold a JCPenney credit card receive 1 point for every $2 spent, so cardholders are essentially earning double rewards at the 1:1 ratio. However, JCPenney credit card for Visa or MasterCard utilized anyplace these cards are acknowledged. Earn More Perks From Your Credit Card. JCPenney has 875 stores across the United States and Puerto Rico where you can buy everything from a new wardrobe or a new refrigerator all financed using the JCPenney credit card offered through Synchrony Bank. That was that - she's been gallivanting around the globe ever since (26 countries & counting)! Additionally, this card comes with a ridiculously high 27.99% APR — so if you’re in danger of defaulting on your card payments, this could get you into trouble quickly. HVAC, bath remodeling, hot water heaters and related services purchased through JCPenney.”. shipping, delivery or installation charges, and restocking or recycling fees). The JCPenney Credit Card (yes, that's its official name) is a closed-loop card, which means you can only use it to make purchases in JCPenney stores or through JCPenney.com. Customers receive the most up-to-date terms and conditions in the mail when they receive their upgraded card and welcome packet. While JCPenney and Synchrony don’t list the credit requirement for this card, most review websites report that applicants should be approved if they have a credit score of “fair” or better. If you’re an avid JCPenney shopper, it might be. Unfortunately, there is no way to check for pre-approved offers online or via phone with Synchrony Bank – which is who issues the JCPenny MasterCard. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app. This site does not include all credit card companies or all available credit card offers. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. (More on this in the Fees & Drawbacks section below.). We love feedback! You can call Jcpenney at (800) 542-0800 toll free number, write an email, fill out a contact form on their website www.jcpenney.com, or write a letter to JCPenney, Inc, 6501 Legacy Drive, Plano, Texas, 75024, United States. Similarly, the rewards can only be used at JCPenney. Was pure cast rewards after the discounts few years back. The JCPenney credit card isn’t a store card. If it’s your first time logging in to manage your account online, you’ll need to register and link your credit card. A lot of them have excellent reviews and can earn you some big returns in everyday spending categories like groceries, gas, dining, travel, and even some department stores. Especially since 1:1 is not the best earnings ratio, when you consider many other rewards based credit cards offer bonus points in everyday spending categories like gas, dining, travel, etc. And if you choose to use a special financing option, make sure you know what you’re getting yourself into. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. Offers may include special financing for 6, 12, 24, 36, 48, or 60 months. This means monitoring your finances closely, spending wisely, and paying off your balance on time, in full, each month. By Mail: If there is not a valid email address on file with your rewards account, the certificate will be sent by U.S. mail, which usually takes about 3-4 weeks after the reward is earned. Once a rewards member reaches 200 points, a $10 rewards certificate is issued. I have been a long time shopper of jcpenneys. There are a number of other quality cash-back rewards cards available. In any case, since you can just utilize the card at JCPenney… So if you’re not buying a sale item, are you really saving by earning rewards on that overpriced bedding set? 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Only be utilized at JCPenney after any bills pay on the web program account, you may upgraded.