JCPenney Credit Card

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3.2
 
0.0 (0)
 
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Interest Rate (APR)

Introductory Offer for Purchases
No
Purchases
26.99%
Balance Transfer
N/A
Minimum Interest Charge
$2.00
Periodic Finance Offers
Yes
Periodic Offers APR
0%
Periodic Offers Length
6, 12, 18, or 24 Months
Minimum Purchase Required
None

Fees

Annual
None
Late Payment
Up to $35.00

Benefits

Bonus
No
Features
  • 20% off first online or in-store purchase
  • 1 point per dollar spent at JCP
  • Special savings for card members
Apply
Apply Online or In-Store
Issuer
GECRB
Where Can I Use It
At all JCPenney retail outlets, CVS and RiteAid pharmacies. Online at jcpenney.com and sephora.com.
Online Account Management

 

This is the most basic of the three JCPenney credit cards. They are phasing out the Privilege Gold and Privilege Platinum cards at the end of 2013. All of their cards are issued by GE Capital Retail Bank.

Editor review

Overall rating 
 
3.2
Interest Rate (APR) 
 
2.0
Fees 
 
3.5
Rewards 
 
4.0
Reviewed by Steven Merkel May 08, 2014
#1 Reviewer  -   View all my reviews (7)

Credit Card Review

Do You Recommend This Card
Yes
Why?
We recommend consumers apply for this credit card! This is one of the better store cards, where the rewards are concerned, with the 10% back it easily trumps what other stores have to offer. The interest rate is a tad on the high side, which means you shouldn't carry a balance, or it will negate any benefit you've earned from shopping.
Who Will Get the Most Out of This Credit Card
Anyone that enjoys shopping at JCPenney or purchases large amounts of Sephore products. Although this card can be used at CVS and RiteAid your purchases made at those locations will not count towards the JCP gift certificate rewards.

Interest Rate (APR)

Is the Interest Rate Competitive
The interest rate is high, but is inline with what other department store cards offer. Unfortunately APRs in the 20s is the norm for most stores.

Rewards

How Do You Like the Rewards?
When you apply either in-store or online you will receive a 20% discount on your purchase. This bonus expires the next day so be sure to spend it wisely. In addition to receiving the normal coupons and discounts, all cardholders are enrolled into JCP rewards which grants $10 gift certificates every time you spend $100 in a calendar month but spending does not carryover from month to month. For instance if you spend $150 in one month and then the next you spend $50 you will only receive one $10 certificate.
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