JCPenney bank card overview: Full particulars

JCPenney bank card overview

The JCPenney bank card comes with an fascinating introductory bonus however has restricted incomes and redeeming choices that may make it unappealing for many shoppers. Should you spend some huge cash at JCPenney, it might make sense in your pockets, however even then, the cardboard has a number of irritating spending limits that may cap your earnings. Card ranking*: ⭐⭐

The knowledge for the JCPenney bank card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The very first thing to know in regards to the no-annual-fee JCPenney bank card, issued by Synchrony Financial institution, is that the rewards it earns can solely be used at, you guessed it, JCPenney. As such, for those who do not spend lots at JCPenney, the cardboard will not be match for you.

It does supply a novel one-time welcome bonus, however even that comes with plenty of strings hooked up. Past that bonus, you will be hard-pressed to get a lot worth out of this card.

The JCPenney bank card has no annual payment and a really useful credit score rating of 670.

Here is what else to know.

JCPenney bank card professionals and cons

Professionals Cons
  • Efficient 5% again on JCPenney purchases
  • No annual payment
  • 0% introductory annual share price for 18 months
  • Extraordinarily restricted incomes and redeeming choices
  • Cannot earn factors on greater than $2,000 spent on a single buy with the retailer

JCPenney bank card advantages

The JCPenney bank card has a brief checklist of advantages however does include “particular financing” on choose giant purchases like furnishings, mattresses, effective jewellery and extra.

It does have a novel one-time welcome bonus: Get between 5% and 35% again on choose gadgets in your subsequent JCPenney buy. You may get 35% off choose authentic, common and sale-priced attire, sneakers, equipment, effective jewellery and residential purchases; 20% off blinds and shades, housewares, storage and group, watches, salon merchandise, fragrances and choose JCPenney Magnificence purchases; and 5% off choose electronics.

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Cardholders additionally get entry to JCPenney’s Unique Financial savings Day, plus particular affords all year long the place JCPenney Credit score Card members save extra on choose purchases.


These are restricted perks even for a no-annual-fee retail bank card, they usually supply no worth for individuals who aren’t commonly spending a lot of cash at JCPenney. In relation to advantages, most shoppers shall be a lot better off with a common cash-back or journey rewards bank card.

Associated: 4 causes retailer bank cards are (virtually) all the time a nasty thought

Incomes and redeeming with the JCPenney bank card

The JCPenney bank card earns a simple 1 level per greenback spent on JCPenney purchases and a mediocre 0.2 factors per greenback spent in all places else.

Every level is value 5 cents apiece at, you guessed it, JCPenney, so cardholders primarily earn 5% again on JCPenney purchases and 1% again on all different purchases.

That is a strong incomes price for those who store at JCPenney commonly, though it is value noting you can’t earn factors on greater than $2,000 spent on a single buy with the retailer. Which means that huge purchases will stay restricted of their incomes potential, which is an actual disadvantage at a retailer that sells big-ticket gadgets like furnishings and mattresses.


You may redeem your factors for a $10 reward for each 200 factors earned, that means you will need to have a minimum of that many factors to redeem them for money again — a irritating limitation. Your factors will not expire so long as your account is energetic, however your money reward certificates will, so you will need to spend inside a sure period of time to reap the benefits of your rewards.

These earnings charges will not transfer the needle for shoppers who do not commonly store at JCPenney. For instance, TPG bank cards editor Emily Thompson can get behind a card with easy cash-back worth and easy perks however would not spend almost sufficient cash at JCPenney to justify this specific card.

Associated: Retailer vs. cash-back bank cards: Which one ought to I get?

Which playing cards compete with the JCPenney bank card?

There are many inexpensive bank cards out there that may enchantment to a bigger viewers than the JCPenney Credit score Card. Listed below are only a few:

For added choices, take a look at our checklist of the very best no-annual-fee playing cards.

Associated: One of the best bank cards for on-line buying

Is the JCPenney bank card value it?

The JCPenney card will solely make sense for individuals who spend a ton of cash at JCPenney and wish to earn rewards to make use of there. However even when that is you, the incomes maximums on the cardboard and intensely restricted redemption choices imply that your worth shall be considerably capped in comparison with plenty of different card choices on the market. Nearly everybody shall be higher off getting a common bank card as an alternative.

Associated: How to decide on a cash-back bank card

Backside line

The JCPenney bank card is not essentially distinctive as a retailer-issued card with restricted incomes and redemption choices. The cardboard has respectable earnings charges and some meager perks, however its incomes and redemption limitations will probably be a deal breaker for many.

In relation to incomes rewards, the typical shopper shall be a lot better off with a cash-back bank card.

The knowledge for the JCPenney bank card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

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