Also, when you receive your rewards certificates, they can only be utilized at JCPenney. Please click here, and update your bookmark/favorites., and update your bookmark/favorites. As we mentioned above, JCPenney credit card holders technically earn rewards twice as fast as regular rewards members. Having a JCPenney Credit Card can make your department store shopping more worthwhile. Most credit card review sites agree that applicants should be approved if they have a “fair” or better credit score. This site does not include all credit card companies or all available credit card offers that are on the market. 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. Hot Tip: Do not confuse non-expiring points with rewards certificates — your rewards certificate will have a clearly printed expiration date. However, above declared information about JCPenney Credit Card Login and JCPenney Credit Card payments is a very easy way. Hi Shirley. Just looking to make a payment? 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. Huh??? The card also tends to award lower limits than open-loop (usable anywhere) cards, with … Vernon opened an account in my name when I made a purchase so I would save more. It is pretty useful when they offer financing appliances for no interest though. You can also access your account here. ), you could earn 1 point per dollar. However, JCPenney credit card for Visa or MasterCard utilized anyplace these cards are acknowledged. Hi Ana! At 27.99%, carrying a balance on this card can get you into trouble FAST. Current terms state that applicants who do not receive a credit decision right when they apply (but are later approved) will receive a $10 coupon in their credit card package. It used to be a place I spent most of my money but they have really messed up the program. You can contact JCPenney tech support at 800-527-4403 to help you access your bill online. The JCPenney Credit Card is a great option for anyone looking to earn an easy 5% return shopping at in-store and online with 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. 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. We do not have any affiliation with JCPenny or the credit card, so unfortunately I cannot say how this might have happened. 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. doxo is the simple, protected way to pay your bills with a single account and accomplish your financial goals. While it offers great rewards for JCPenney shoppers, it also carries a high APR. As far as we know, there is no minimum per-month spend on this card. In terms of fees and drawbacks, the JCPenney credit cards have some big ones. Please cancel my card and reinstate my husbands card. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). If you have any query, then please let us know in the comment section below. Called the company to see if I could switch back to just a JCP card. https://www.jcpcreditcard.com/eSecurity/Login/login.action?clientId=jcpenney&accountType=generic&langId=en. Or is a minimum that you have to spend on the card? He also reported that the full terms are included when the Mastercard is mailed out to new cardholders. JCPenney Credit Card. Earn More Perks From Your Credit Card. So what about their credit card — does it stand up to the store-branded cards offered by other retailers? Sorry you are having trouble paying your bill. He has had the account for many years. She caught the travel bug just after high school when her grandmother took her on a two-week, whirlwind trip around Europe. That means it will be crucial that you pay off your balance each month or the finance charges could get very expensive. You can use it anywhere. We have eliminated the account numbers in your comment for security purposes. 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? And if you choose to use a special financing option, make sure you know what you’re getting yourself into. Thank you. Neither JCPenney nor Synchrony bank lists the official requirements for approval on a JCPenney credit card. The JCPenney credit card isn’t a store card. Along with earning a solid return on JCPenney spend, you'll also be able to partake in the full JCPenney Rewards program which offers lots of coupons, bonus points, and other perks. • Spend $500 or more on merchandise or services at JCPenney Stores or jcp.com with your JCPenney credit card in a calendar year to earn or maintain JCPenney Gold Status. Keep track of your spending and use the card as a financial tool. The JCPenney Credit Card is a store card that is only usable at JCPenney. These “SALE” prices are likely what you’ll find as baseline prices for the same item elsewhere. The reward is applied before discounts so the value is less. I will call again but feel that they will not fix the problem. (More on this in the Fees & Drawbacks section below.). We are Upgraded Points, a blog specializing in credit card, points, and miles resources. Mainly, we’re wondering if cardholders earn 1 point/$1 spent anywhere, or just at JCPenney (and associated stores)? Email needed if you'd like comment updates. JCPenney, founded in 1902, is a high-end store with 100 years of experience, providing consumers with high-quality clothing, accessories, furniture and electrical appliances. The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. This site does not include all credit card companies or all available credit card offers. Please consider leaving us a 5-star rating! But remember that having this credit card doesn’t mean you should spend beyond your limits. Was pure cast rewards after the discounts few years back. Now you can easily view your balance, pay your bill, and see offers just for JCPenney credit cardholders. Users can perform all the same tasks within the app that they would in the desktop/web platform: If you’re an avid JCPenney shopper, you could benefit from having this card in your wallet. No responsibility will be taken by the bank advertiser for these comments. Previously, JCPenney gave cardholders an avenue to achieve gold/platinum card status (with additional benefits) by hitting certain spending levels. You can view and manage your rewards through your online JCPenney Rewards account or through the mobile app. Welcome to the JCPenney Online Credit Center operated by Synchrony Bank ("SYNCB"), the issuer of the JCPenney Card. FREE shipping at jcp.com! Is there a number that I can call so I can know if I qualify for the MasterCard? Overview | JCPenney Credit Cards. Qualifying purchases made on a JCPenney Home Services Credit Card include Home Service purchases, e.g. manage credit account, Open your account online to enjoy these exclusive benefits, Earn 2X the rewards points with a JCPenney Credit Card - receive 1 point per dollar spent on qualifying purchases.†, Available on qualifying purchases for furniture, mattresses, fine jewelry and more.‡. Once you reach 200 points, you’ll earn a $10 rewards certificate. My account #ending in XXXX does work. Lastly, don’t forget that the Chase points you’ll collect are very valuable when used for maximum value! If you have a basic JCPenney card, you can’t use it anywhere besides JCPenney, jcp.com, Rite Aid, the Sephora stores inside JCPenney, and (most recently) online at Sephora. 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Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. 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. Neither JCPenney nor Synchrony bank currently list the requirements for achieving this upgrade. 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. Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. There is no limit to the number of $10 rewards certificates that an individual can earn. Not work time, in full within ” in the in-depth rewards below. 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