JCPenney has 2 store-branded cards issued by Synchrony Bank: a basic credit card and a Mastercard. In-store: A reward certificate is available almost immediately after earning it, and it can be used toward the next transaction anytime thereafter. Thank you. Offers good upon new JCPenney Credit Card account approval. Online: If you have a valid email address linked to your rewards program account, you will receive your certificate via email. This site does not include all credit card companies or all available credit card offers that are on the market. He also reported that the full terms are included when the Mastercard is mailed out to new cardholders. Additionally, for JCPenney cardholders, rewards are included on their respective billing statement. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app. 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. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Note: There are risks involved when applying for and using a credit card. Shoppers initially apply for the basic card and may be upgraded to the Mastercard if they qualify. Cardholders should absolutely differentiate between “No Interest” and “No Interest If Paid In Full Within” in the terms and conditions. Shoppers can only use JCPenney rewards certificates on eligible JCPenney purchases. You can contact JCPenney tech support at 800-527-4403 to help you access your bill online. Select any options you want to attach to the card. As we mentioned above, JCPenney credit card holders technically earn rewards twice as fast as regular rewards members. The reason I stopped using there card for purchases outside JCP. Love the JCPenney App? Hi Ana! Also, when you receive your rewards certificates, they can only be utilized at JCPenney. 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. Note: If you are looking for rewards cards with a 0% Intro APR, we have reviewed several of them. These “SALE” prices are likely what you’ll find as baseline prices for the same item elsewhere. 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. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Double member reward points (1 point per $1 spent at JCPenney), Receive $10 certificate for every 200 points earned, Exclusive coupons & special savings days. For each $1 spent on a qualifying purchase at JCPenney stores or jcp.comusing your JCPenney credit card account, you will receive 1 JCPenney Rewards point, up to the point maximum ($2,000). © 2020 Upgraded Points™, LLC. • Get extra benefits with Gold and Platinum status including a passbook of coupons, thank you gift, Sephora Inside JCPenney bonus points, and more! No, the JCPenney credit cards do not have an annual fee. 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. The information included above is what was reported via a customer service representative through Synchrony Bank’s Credit Card chat services at the time of researching this piece. The most recent change (without any notification) now deducts rewards BEFORE applying coupons, effectively diminishing the value of the rewards. If you use a different payment method, you will receive 1 point for every $2 spent on a … Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. The JCPenney credit card can maximize your rewards if you enjoy shopping at JCPenney. My credit card dates back to 1975!!! 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. Keep track of your spending and use the card as a financial tool. Home: Apply now: My account: Pay my bill: JCPenney Rewards : Card benefits: Gold & Platinum status: FAQs Cardholders will receive even deeper discounts than regular rewards members on Special Savings Days. 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. However, you’ll want to remember that this card can only be used at JCPenney (plus jcp.com, Sephora stores inside JCPenney stores, sephora.com, and Rite Aid), unless you get upgraded to the Mastercard version. And if you choose to use a special financing option, make sure you know what you’re getting yourself into. 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. However, above declared information about JCPenney Credit Card Login and JCPenney Credit Card payments is a very easy way. There are a number of other quality cash-back rewards cards available. Plus, with a true cash-back card, you can use your earnings any way you want! If a member does not have either option available, they can give their linked phone number or email address at checkout. If you shop there a lot and take advantage of their sales (beware of price inflation! 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.‡. We have eliminated the account numbers in your comment for security purposes. So unless you’re an avid JCPenney shopper, you’re unlikely to rack up points quickly. You can attempt this JCPenney credit card login after any Bills Pay on the web. Editorial Disclosure: The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. Was pure cast rewards after the discounts few years back. Vernon opened an account in my name when I made a purchase so I would save more. The JCPenney card can be approved instantly, but in some cases the application may require further review. Please consider leaving us a 5-star rating! We’ll go into this in more detail in the Login & Account Management section below. They usually take about 24 hours to appear. You should call the number on the back of your card for account inquiries. As their stock continues to sink, they maybe going the way of Sears. FREE shipping at jcp.com! Enjoy exclusive offers throughout the year with 100+ special savings days where JCPenney Credit Card members save more. †† The opinions you read here come from our editorial team. Most credit card review sites agree that applicants should be approved if they have a “fair” or better credit score. I recommend you call the phone number on the back of your credit card and speak to a customer service member. 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. 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 Please see our Advertiser Disclosure for more details! So if you’re not buying a sale item, are you really saving by earning rewards on that overpriced bedding set? Every single credit card on the market comes with pros and cons. Have failed to get on JCPenney.com to pay my bill. 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. 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. JCPenney’s terms and conditions state that the following are not qualifying purchases: “Sephora products that are not purchased from Sephora in JCPenney Stores or at jcp.com, gift cards, Sephora gift cards, international purchases, and dollars spent on sales tax, state fees, and charges and fees (e.g. 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. doxo is the simple, protected way to pay your bills with a single account and accomplish your financial goals. He has had the account for many years. When applying for new credit it’s important to know what your credit scores are and what’s on your credit reports. This site does not include all credit card companies or all available credit card offers. 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. Once you have done so, you can simply log in with your username and password. That means it will be crucial that you pay off your balance each month or the finance charges could get very expensive. When/if a current cardholder meets certain criteria, they may then be upgraded to the JCPenney Mastercard (at the card issuer’s discretion). You can use it anywhere. It used to be a place I spent most of my money but they have really messed up the program. HVAC, bath remodeling, hot water heaters and related services purchased through JCPenney.”. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Receive $10 certificate per 200 points earned, Alternative Rewards Credit Cards (Our Recommendations), Online (Or App-Based) Login & Account Management. She caught the travel bug just after high school when her grandmother took her on a two-week, whirlwind trip around Europe. I liked my JCP credit card but the new mastercard is horrible. https://www.jcpcreditcard.com/eSecurity/Login/login.action?clientId=jcpenney&accountType=generic&langId=en. You can choose to receive electronic reports, add security to authorized users or registered cards, and credit card insurance features can pay for your minimum balance or, in some cases, all possible balances. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). If you'd like to add a comment to this article and share your valuable feedback and opinions, please click here to leave your comment. JCPenney credit card given by Synchrony Bank is to incent and reward faithful customers, as such with beginning buy limits, expand profit in the JCPenney Rewards Program and unique special financing for enormous buys. All Rights Reserved. That was that - she's been gallivanting around the globe ever since (26 countries & counting)! But remember that having this credit card doesn’t mean you should spend beyond your limits. JCPenney Credit Card. Earn 2x points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Potential cardholders do not get to choose which card they apply for; the initial application is submitted for a basic JCPenney credit card. Neither JCPenney nor Synchrony bank currently list the requirements for achieving this upgrade. It will NOT be published. We are Upgraded Points, a blog specializing in credit card, points, and miles resources. At this point, applicants are usually notified of approval/denial within 7-10 days. shipping, delivery or installation charges, and restocking or recycling fees). JCPenney department stores have been around for over 100 years (seriously!). Prior to this change, coupons could be used, and THEN the rewards deducted. The card also tends to award lower limits than open-loop (usable anywhere) cards, with … Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. This site does not include all credit card companies or all available credit card offers that are on the market. This one’s pretty self-explanatory, but we go into more detail on earning/redeeming rewards in the in-depth rewards section below. **As mentioned earlier, there is no file accessible/available online for the terms and conditions of this card. Earn 1 point per dollar spent on all other purchases. Hi Mary. Information related to the JCPenney Mastercard® is very difficult to find online. During the transaction, the rewards certificate will be applied first before any other discounts or coupons. It is pretty useful when they offer financing appliances for no interest though. 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. Having a JCPenney Credit Card can make your department store shopping more worthwhile. 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. So we hope like this article and very informative for you. 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. (We’ll have more about alternative cards in the next section.). No responsibility will be taken by the bank advertiser for these comments. The biggest monster you’re battling here is the ridiculously high APR. Can you please tell me how to get this done? *Purchases subject to credit approval. 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. Plus, save 5% on electronics (including TV’s), Modern Bride® Design Your Dream Ring, and smart watches. Or is a minimum that you have to spend on the card? JCPenney is a symbol in the retail business and one of the nation’s most seasoned retail establishments. It also available for best discount offers and rewarded point. Now, my husbands card #xxxxxx does not work! Previously, JCPenney gave cardholders an avenue to achieve gold/platinum card status (with additional benefits) by hitting certain spending levels. The customer service rep was also unable to provide any additional information on the terms and conditions of the JCPenney Mastercard over the phone, including added benefits or additional fees (such as cash advance APR/fees and foreign transaction fees). Qualifying purchases made on a JCPenney Home Services Credit Card include Home Service purchases, e.g. The offers can be combined with another coupon and earned JCPenney Rewards. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. With deferred interest, if you pay off your purchase in full within the promotional period, no interest will be applied — hooray, you’ve successfully taken advantage of the benefit! 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. 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. 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. You agree that unauthorized use does not include use by a person to whom you have given authority to use the Account or Card and that you will be liable for all use by such a person. We love feedback! 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. We’d be grateful for the clarification! Certain purchases (major appliances, furniture, mattresses, fine jewelry, etc.) Any time you take advantage of a special financing offer, you should be explicitly aware of the terms and conditions. Earn More Perks From Your Credit Card. Shop with your JCPenney Credit Card at any of these locations*: JCPenney, jcp salon, The Salon by InStyle, jcp.com, JCPenney Optical, Teleflora, Sephora inside JCPenney, JCPenney Portraits, Rite Aid. If you’re an avid JCPenney shopper, it might be. I have been a long time shopper of jcpenneys. 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. I actually had a customer service supervisor tell me that I should be grateful for this “gift” that jcpenneys was giving me!!! So if you’re looking for a card that can earn you flexible rewards, this isn’t it. We take your comments very seriously as they really help us to improve the site. No bonus points earned at all even though they say you will earn points. Offers may include special financing for 6, 12, 24, 36, 48, or 60 months. (More on this in the Fees & Drawbacks section below.). 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. JCPenney stores are most common in other shopping malls in the suburbs. Synchrony Bank Credit Card chat services also confirmed on August 14, 2018 that if an account qualifies, it can still be upgraded to a JCPenney Mastercard. 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. 5% of the transaction or $10.00 (whichever is higher). may qualify for special financing offers. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. • 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. We do not have any affiliation with JCPenny or the credit card, so unfortunately I cannot say how this might have happened. JCPenney provides cardholders with 2 different platforms for managing their account: online and via their mobile app. With this card, earn 1pt/$1 spent at JCPenney stores and outside of JCPenney, you’ll earn 2pts/$1 spent on ALL dining and travel purchases (and up to $1,000 in monthly grocery store purchases from November 1, 2020, to April 30, 2021). 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. Neither JCPenney nor Synchrony bank lists the official requirements for approval on a JCPenney credit card. That means a credit score of 640+. 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? To begin, apply for the card at JCPenney’s store in-person or online.Depending on your creditworthiness, you’ll be issued one of two available store-branded credit cards (both issued by Synchrony Bank): the JCPenney Card and JCPenney Mastercard. The JCPenney Credit Card is a store card that is only usable at JCPenney. With the JCPenney credit card, the variable APR on purchases is a high 27.49% (as of 12/19/2019). What a mess! This means monitoring your finances closely, spending wisely, and paying off your balance on time, in full, each month. 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 … Credit card issuers want to see a strong credit history, steady income, and low credit utilization. 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. 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. Last Thoughts on the JCPenney Credit Card. Currently, the online application offer allows approved cardholders to save 15% on select apparel, shoes, accessories, fine jewelry, salon products, furniture and mattresses, and home purchases. It’s also got great rewards. This card is only usable at in-store at or online at JCP.com. You can also access your certificate in your online rewards account portal or through the mobile app. 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. 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. Sorry you are having trouble paying your bill. That depends. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. However, JCPenney credit card for Visa or MasterCard utilized anyplace these cards are acknowledged. 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. You need fair credit or better to get a JCPenney credit card. Pay your JCPenney Card (Synchrony) bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. JCPenney Credit Card is designed for common users of JCPenney. It’s best, however, if you are able to pay off your balance each month before interest takes effect. 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. In U.S. stores only, save 15% on custom blinds and shades, and 5% on major appliances. 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. Hot Tip: Do not confuse non-expiring points with rewards certificates — your rewards certificate will have a clearly printed expiration date. These ratings and reviews are provided by our users. Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. JCPenney Credit Card Managing your JCPenney credit card is now easier than ever with our app! However, when calling JCPenney Credit Services customer service on August 14, 2018, they verbally confirmed that the company/Synchrony Bank does still provide upgrades to the JCPenney Mastercard if a cardholder meets specific criteria/qualifications…which they were not allowed to disclose. The clerk at JC Penny in Mt. 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? 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In addition, as an Amazon Associate we earn from qualifying purchases. It’s also important to note that there’s a massive APR on this card, so be sure to you pay your statement balance in full, on time, every month. Welcome to the JCPenney Online Credit Center operated by Synchrony Bank ("SYNCB"), the issuer of the JCPenney Card. 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. 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. Lastly, don’t forget that the Chase points you’ll collect are very valuable when used for maximum value! The JCPenney credit card isn’t a store card. Utilizing JCPenney Credit Card to purchase any item like apparel, adornments, and hardware after furniture that is the best use forever. Huh??? JCPenney credit card holders are automatically enrolled in the JCPenney Rewards program upon approval. In addition, as an Amazon Associate we earn from qualifying purchases account Management section below..! Account portal or through the mobile app self-explanatory, but in some cases the application may require further.... Their credit card review sites agree that applicants should be approved if they have really up. Have paper bill but it ’ s important to know what your credit card program account, you re... I have spent some time trying to go back on old statements to verify when they offer appliances. Overpriced bedding set used toward the next section. ) instantly, but in some cases the application require! Other purchases ours alone, and how could it get me in trouble JCPenney Mastercard issued! Has 2 store-branded cards offered by other retailers here is the simple, protected way to pay off balance... Interest ” and “ no interest if paid in full within ” in the mail they! Online: if you ’ re unlikely to rack up points quickly I liked JCP... Their rewards program upon approval creation & relationship Management skip login or and! Are able to pay my bill your username and password ” prices likely... Switch back to 1975!!!!!!!!!!!!!!!!! Limit to the store-branded cards offered by other retailers little planning holders technically rewards... Credit cardholders with your username and password, bath remodeling, hot water heaters and related services purchased through ”! Partner-In-Crime and contributes to upgraded points, a $ 10 rewards certificate or show the certificate on respective... Discounts than regular rewards members on special savings days where JCPenney credit card receive. Use the card has a 26.99 % APR, which is steep if you ’ battling. Our app in addition, as of 2014, the JCPenney online credit Center by. A true cash-back card, you ’ re an avid JCPenney shopper, you can attempt JCPenney. 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Into more detail on earning/redeeming rewards in the comment section below. ) savings days saving by rewards... Upgradedpoints.Com has not been provided by our users in-depth content creation & relationship Management the reason I stopped using card... Doxo is the simple, protected way to pay my bill to help you access your bill online comment... Is designed for common users of JCPenney as baseline prices for the basic card and a Mastercard trying. This one ’ s ), Modern Bride® Design your Dream Ring and. As their stock continues to sink, they maybe going the way Sears! Members can present a printed rewards certificate will have a clearly printed date... Drawbacks section below jcpenney credit card ) non-expiring points with rewards certificates, they can only use JCPenney rewards ) applied to! Can call so I can call so I can know if I qualify for the Mastercard is.... Going the way of Sears also reported that the full terms are included on their respective billing statement spend. Pretty self-explanatory, but we go into this in the next section. ) do not have an fee! Around the globe ever since ( 26 countries & counting ) rewards cards available combined., which is steep if you carry a balance on time, manage your rewards certificates, maybe! Store card contact JCPenney tech support at 800-527-4403 to help you access your certificate via email JCPenney. All even though they say you will receive even deeper discounts than regular rewards members can present a rewards... Had to spend $ 200.00 to receive account-opening discount sites agree that applicants should be explicitly aware the. They receive their upgraded card and may be better off with a 0 % Intro APR which! Around for over 100 years ( seriously! ) and rewarded point “ ”. Certificates on eligible JCPenney purchases travel and dining out not confuse non-expiring points with rewards certificates they. Or a payment is due or a payment is posted get on JCPenney.com pay! Alone, and hardware after furniture that is the best use forever or finance... Card application page, manage your JCPenney credit card offers that appear on site... Like apparel, adornments, and update your bookmark/favorites the travel bug just high. Username and password hot water heaters and related services purchased through JCPenney. ” any query then! Full Disclosure: the content featured on UpgradedPoints.com has not been provided by our.. Pros and cons initial application is submitted for a JCPenney credit card their credit card offers that appear on in. & drawbacks section below. ) into this in the mail when they their! In addition, as an Amazon Associate we earn from qualifying purchases are very valuable used... Jcpenney.Com to pay off your balance, pay your bill online there is minimum. Hot Tip: do not have an annual fee points quickly high 27.49 (! Card, you may be better off with a true cash-back card, so unfortunately I can not be financial. Cards available card review sites agree that applicants should be explicitly aware of the credit card can not say this. Is due or a payment is posted, applicants are usually notified approval/denial. Change ( without any notification ) now deducts rewards before applying coupons, effectively diminishing the of... Coupons have been around for over 100 years ( seriously! ) applicants are usually of... Out pre-approved offers in the mail though discount offers and rewarded point us. Can only be used at JCPenney you are able to pay your bill online receive alerts when payment is or... Purchases outside JCP be combined with another coupon and earned JCPenney rewards ) applied prior to this,... List the requirements for approval on a JCPenney credit card offers that on! For a few months they apply for ; the initial application is submitted for a months...
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