The JCPenney credit card could be a strong pick for JCPenney frequent shoppers since it offers a strong (though roundabout) rewards rate on eligible JCPenney spending in stores and online. Hi Mary. Previously, JCPenney gave cardholders an avenue to achieve gold/platinum card status (with additional benefits) by hitting certain spending levels. Points are earned on the dollar amount after all discounts and coupons have been applied. With the JCPenney credit card, the variable APR on purchases is a high 27.49% (as of 12/19/2019). Online: If you have a valid email address linked to your rewards program account, you will receive your certificate via email. We are Upgraded Points, a blog specializing in credit card, points, and miles resources. That means it will be crucial that you pay off your balance each month or the finance charges could get very expensive. Full amount of purchase must be on the JCPenney Credit Card to receive account-opening discount. Contact Jcpenney customer service. Enjoy great deals on furniture, bedding, window home decor.Find appliances, clothing shoes from your favorite brands. • 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. Skip login or registration and pay as a guest. The offers can be combined with another coupon and earned JCPenney Rewards. Shoppers can only use JCPenney rewards certificates on eligible JCPenney purchases. We have eliminated the account numbers in your comment for security purposes. *A different offer may be available in store. 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. You can also access your account here. 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. It will NOT be published. No, the JCPenney credit cards do not have an annual fee. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. You can use it anywhere. Their rewards program continues to deteriorate and be less valuable. They assured me that they would fix the problem but have not done so. However, above declared information about JCPenney Credit Card Login and JCPenney Credit Card payments is a very easy way. 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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. 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. It’s also got great rewards. There is a HUGE difference between the phrase “no interest for 6 months” and “no interest if paid in full within 6 months.” The latter indicates you’ll be subject to deferred interest. At this time, the card cannot be used for purchases at stand-alone Sephora stores. Cardholders should absolutely differentiate between “No Interest” and “No Interest If Paid In Full Within” in the terms and conditions. We discuss points earning in detail in the in-depth rewards section below. Potential cardholders do not get to choose which card they apply for; the initial application is submitted for a basic JCPenney credit card. Called the company to see if I could switch back to just a JCP card. If you shop there a lot and take advantage of their sales (beware of price inflation! And if you choose to use a special financing option, make sure you know what you’re getting yourself into. Credit card issuers want to see a strong credit history, steady income, and low credit utilization. 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). I WILL NOT be shopping at jcp again. I have spent some time trying to go back on old statements to verify when they were paid for. doxo is the simple, protected way to pay your bills with a single account and accomplish your financial goals. Please be advised that we are not JCPenney, we are a blog sharing information on travel and credit cards. The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. 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. Note: There are risks involved when applying for and using a credit card. Home: Apply now: My account: Pay my bill: JCPenney Rewards : Card benefits: Gold & Platinum status: FAQs JCPenney stores are most common in other shopping malls in the suburbs. Once you have done so, you can simply log in with your username and password. Overview | JCPenney Credit Cards. Once you reach 200 points, you’ll earn a $10 rewards certificate. He has had the account for many years. 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 I need help accessing bill on line. shipping, delivery or installation charges, and restocking or recycling fees). I had to spend $200.00 to receive this “gift”. So we hope like this article and very informative for you. Just looking to make a payment? *Purchases subject to credit approval. Prior to this change, coupons could be used, and THEN the rewards deducted. Every single credit card on the market comes with pros and cons. If it’s your first time logging in to manage your account online, you’ll need to register and link your credit card. We've upgraded our site! My account #ending in XXXX does work. We discuss points earning in detail in the in-depth rewards section below. I actually had a customer service supervisor tell me that I should be grateful for this “gift” that jcpenneys was giving me!!! Earn 1 point per dollar spent on all other purchases. The JCPenney Credit Card is issued by Synchrony Bank. 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. Please click here, and update your bookmark/favorites., and update your bookmark/favorites. Additionally, for JCPenney cardholders, rewards are included on their respective billing statement. Plus, with a true cash-back card, you can use your earnings any way you want! I have paper bill but it’s not the correct amount. 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. As their stock continues to sink, they maybe going the way of Sears. This site does not include all credit card companies or all available credit card offers that are on the market. The most recent change (without any notification) now deducts rewards BEFORE applying coupons, effectively diminishing the value of the rewards. 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 … Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. **JCPENNEY REWARDS: JCPenney credit cardmembers are automatically enrolled in JCPenney Rewards and are eligible to earn rewards points on purchases made with their JCPenney credit card account. Click here to see a list of advertisers that we work with. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. Have failed to get on JCPenney.com to pay my bill. Save time, manage your JCPenney Credit Card online with Synchrony Bank. • Get extra benefits with Gold and Platinum status including a passbook of coupons, thank you gift, Sephora Inside JCPenney bonus points, and more! We’ll go into this in more detail in the Login & Account Management section below. Having a JCPenney Credit Card can make your department store shopping more worthwhile. The JCPenney credit card isn’t a store card. I have 2 purchases that were charged to my JCPenney Mastercard that I haven’t received. Hi Ana! For more information on our advertisers, see here. Pay your JCPenney Card (Synchrony) bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. Of note: if you’re making an online purchase, the points are alotted once the item has shipped. Last Thoughts on the JCPenney Credit Card. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Open JCPenney Credit Card Application Website and fill in your personal information. Thank you. Love the JCPenney App? Earn More Perks From Your Credit Card. JCPenney department stores have been around for over 100 years (seriously!). You can contact JCPenney tech support at 800-527-4403 to help you access your bill online. HVAC, bath remodeling, hot water heaters and related services purchased through JCPenney.”. Sorry you are having trouble paying your bill. Please be advised that we are not JC Penney or their card issuer. 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. Any time you take advantage of a special financing offer, you should be explicitly aware of the terms and conditions. That was that - she's been gallivanting around the globe ever since (26 countries & counting)! There are a number of other quality cash-back rewards cards available. We take your comments very seriously as they really help us to improve the site. Most credit card review sites agree that applicants should be approved if they have a “fair” or better credit score. Individuals who want to apply for a JCPenney credit card can do so in 2 ways: Remember, you cannot apply outright for the JCPenney Mastercard. The JCPenney card can be approved instantly, but in some cases the application may require further review. However, unless you’re a regular JCPenney shopper, you may be better off with a regular secured credit card. The biggest monster you’re battling here is the ridiculously high APR. Can you choose not to use your card for a few months? These “SALE” prices are likely what you’ll find as baseline prices for the same item elsewhere. It is pretty useful when they offer financing appliances for no interest though. Similarly, the rewards can only be used at JCPenney. Questions or comments? (We’ll have more about alternative cards in the next section.). You can view and manage your rewards through your online JCPenney Rewards account or through the mobile app. At 27.99%, carrying a balance on this card can get you into trouble FAST. 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. But remember that having this credit card doesn’t mean you should spend beyond your limits. It’s pretty tough to tell if there are any…. Please see our Advertiser Disclosure for more details! Plus, we list a couple alternative credit cards that are worth some serious consideration if you’re thinking about adding the JCPenney card to your wallet. 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. Huh??? JCPenney has 2 store-branded cards issued by Synchrony Bank: a basic credit card and a Mastercard. 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. Utilizing JCPenney Credit Card to purchase any item like apparel, adornments, and hardware after furniture that is the best use forever. In-store: A reward certificate is available almost immediately after earning it, and it can be used toward the next transaction anytime thereafter. You can also access your certificate in your online rewards account portal or through the mobile app. Save on your order today when you open and use a new JCPenney Credit Card, select original, regular and sale-priced apparel, shoes, accessories, fine jewelry, salon products, furniture, mattresses, home, & in-home custom design, electronics, small electrics, Modern Bride® Design Your Dream Ring, Smartwatches & Tempur-Pedic, Already a cardmember? So if you’re not buying a sale item, are you really saving by earning rewards on that overpriced bedding set? Can you please tell me how to get this done? 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. Keep track of your spending and use the card as a financial tool. 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. This site does not include all credit card companies or all available credit card offers. Please consider leaving us a 5-star rating! 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. JCPenney Credit Card is designed for common users of JCPenney. This is especially true if you utilize bonus shopping days make sure you’re spending on the right products (watch out for inflated prices to make sales seem more lucrative!). https://www.jcpcreditcard.com/eSecurity/Login/login.action?clientId=jcpenney&accountType=generic&langId=en. Note: If you are looking for rewards cards with a 0% Intro APR, we have reviewed several of them. 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. 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. Hi Shirley. We do not have any affiliation with JCPenny or the credit card, so unfortunately I cannot say how this might have happened. FREE shipping at jcp.com! So if you’re looking for a card that can earn you flexible rewards, this isn’t it. 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. 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. Offers good upon new JCPenney Credit Card account approval. 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