Review:
This is the most basic of the three JCPenney credit cards. They also offer a Privilege Gold and Privilege Platinum. This card doesn’t have as good rewards as the other two and has a higher annual percentage rate, but if you have poor credit or no credit history you will have a better chance of being approved for this card than the others.

One reason to get this card is because of its special discounts that you receive throughout the year. They will send you coupons and tell you about sales. If you apply for this card in store you will receive 10% off your purchase. If you apply online you will receive 10% off your first online purchase. And if you really wanted to use it there, CVS and Rite Aid pharmacies accept this credit card.

If you are a regular JCPenney shopper I would recommend getting this card just to receive the special discounts, but make sure you pay off the balance every month and don’t carry a balance on this credit card because it has a high interest rate currently at 21.99%. If you can, get the gold or platinum because they do have some added bonuses like a birthday certificate and extra coupons to use with your card to get more savings.

JCPenney Card Features:

Interest Rate: 21.99% Apply online and receive 10% off your first online purchase Special savings for card members No annual fee Online account management Zero Fraud Liability for Unauthorized Use Issuer: GE Money Bank

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