JC Penny Credit Card

JC Penney is still one of the most-loved department store chains in North America. JC Penney has a selection of women's and men's clothing, kids' and teens' fashion, baby apparel, shoes, handbags, jewelry and watches, home decor, bed and bath accessories, window treatments, and many other items that fit a wide range of budget needs and lifestyles. A loyal JC Penney customer will also have more shopping options and privileges through the JC Penny Credit Card.

The JC Penny Credit Card is issued by GE Capital Retail Bank. The card has an APR of 26.99% for purchases. As a cardmember, you will be automatically eligible for the JCP Rewards Program. There are three different credit card levels for the JCP Credit Card, and your benefits and perks as a cardmember will increase as your level goes higher.


The Rewards Program is one of the best you will find. You are getting points every time you use your JC Penny Credit Card for purchases in-store or at the JC Penney online store. When you make qualifying purchases at the store or online, you are adding up your points and qualify for up to $10 JCP Rewards every month. Each month that you earn 100 points or more, you receive a $10 JCP Reward, and you can qualify for up to ten rewards monthly. Of course, you can use those JCP Rewards for your shopping enjoyment.

Another privilege you will enjoy as a JC Penny Credit Card holder? You will get a birthday gift every year that will make your special day even more memorable. Aside from your birthday, there are many other numerous other savings events and special promos that are exclusively offered to JC Penney's cardmembers, and you will get notification of these events. Bonus points events where you can earn even more points for rewards are also held throughout the year, so there are even more incentives for you to use your credit card for your purchases.

Another cardmember benefit you can take advantage of is the online access and profile on JC Penney's web site. If you have created an online profile, you can get access to your credit card transactions and summary any time of the day, as well as monitor your points and available rewards. You can even choose to receive your rewards online, through mobile, or via mail. You will also see how much time you have to spend your rewards, which rewards are ready for redemption and which ones are nearing expiration.

Now, you can also keep using your JC Penny Credit Card for your purchases and work your way up to the different card levels. For the JCPenney Gold Credit Card, you just need to charge $500 or more on products or services to your card, over two or more shopping days in a calendar year. Meanwhile, for the the JCPenney Platinum Credit Card, you have to spend at least $1000 on your JC Penney Credit Card over two or more unique shopping days in a year to be eligible.

As a Gold or Platinum Cardmember, you enjoy even more exciting rewards, such as free shipping events (for Platinum), gifts such as $10 or $15 coupons, passbook deals for exclusive events, special promotional financing, and other perks.