We’d be grateful for the clarification! 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. Contact Jcpenney customer service. It’s pretty tough to tell if there are any…. (More on this in the Fees & Drawbacks section below.). At this point, applicants are usually notified of approval/denial within 7-10 days. Once you reach 200 points, you’ll earn a $10 rewards certificate. Plus, with a true cash-back card, you can use your earnings any way you want! Dollar-off offers (including JCPenney Rewards) applied prior to companywide percent-off discounts or coupons. **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. My account #ending in XXXX does work. Additionally, for JCPenney cardholders, rewards are included on their respective billing statement. My credit card dates back to 1975!!! However, JCPenney credit card for Visa or MasterCard utilized anyplace these cards are acknowledged. No, the JCPenney credit cards do not have an annual fee. If it’s your first time logging in to manage your account online, you’ll need to register and link your credit card. 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. He has had the account for many years. 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. Keep track of your spending and use the card as a financial tool. Receive $10 certificate per 200 points earned, Alternative Rewards Credit Cards (Our Recommendations), Online (Or App-Based) Login & Account Management. The card has a 26.99% APR, which is steep if you carry a balance. Full amount of purchase must be on the JCPenney Credit Card to receive account-opening discount. 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 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. Hi Mary. The biggest monster you’re battling here is the ridiculously high APR. So what is deferred interest, and how could it get me in trouble? Click here to see a list of advertisers that we work with. They do periodically send out pre-approved offers in the mail though. Thank you. 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. • 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. Please consider leaving us a 5-star rating! For more information on our advertisers, see here. 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. Getting approved for a JCPenney Credit Card requires a little planning. Just looking to make a payment? FREE shipping at jcp.com! 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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). JCPenney Credit Card. I have been a long time shopper of jcpenneys. I WILL NOT be shopping at jcp again. 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. Along with earning a solid return on JCPenney spend, you'll also be able to partake in the full JCPenney Rewards program which offers lots of coupons, bonus points, and other perks. Earn 1 point per dollar spent on all other purchases. I had to spend $200.00 to receive this “gift”. Online: If you have a valid email address linked to your rewards program account, you will receive your certificate via email. 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). We have eliminated the account numbers in your comment for security purposes. That was that - she's been gallivanting around the globe ever since (26 countries & counting)! Welcome to the JCPenney Online Credit Center operated by Synchrony Bank ("SYNCB"), the issuer of the JCPenney Card. By Mail: If there is not a valid email address on file with your rewards account, the certificate will be sent by U.S. mail, which usually takes about 3-4 weeks after the reward is earned. Get unlimited DoorDash deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, Good to Excellent Credit Recommended (670-850). When/if a current cardholder meets certain criteria, they may then be upgraded to the JCPenney Mastercard (at the card issuer’s discretion). Can you please tell me how to get this done? Neither JCPenney nor Synchrony bank lists the official requirements for approval on a JCPenney credit card. The offers can be combined with another coupon and earned JCPenney Rewards. Have failed to get on JCPenney.com to pay my bill. You need fair credit or better to get a JCPenney credit card. Most credit card review sites agree that applicants should be approved if they have a “fair” or better credit score. In this review, we’ll cover everything from benefits, fees, and drawbacks, to the application process, online account management, and more. 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. Previously, JCPenney gave cardholders an avenue to achieve gold/platinum card status (with additional benefits) by hitting certain spending levels. Any time you take advantage of a special financing offer, you should be explicitly aware of the terms and conditions. What a mess! 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). Can you choose not to use your card for a few months? This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Earn 2x points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out. Now you can easily view your balance, pay your bill, and see offers just for JCPenney credit cardholders. 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. Note: There are risks involved when applying for and using a credit card. We discuss points earning in detail in the in-depth rewards section below. This card has no annual fee. Both the JCPenney credit card and the JCPenney Mastercard are issued by Synchrony Bank. JCPenney Credit Card is designed for common users of JCPenney. Editorial Disclosure: The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. 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. Love the JCPenney App? However, above declared information about JCPenney Credit Card Login and JCPenney Credit Card payments is a very easy way. 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. Online, shoppers will want to be sure they are logged into their account prior to making a purchase; this will ensure the rewards certificate is listed as an available option for payment at checkout. 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. The JCPenney credit card can maximize your rewards if you enjoy shopping at JCPenney. Note: If you are looking for rewards cards with a 0% Intro APR, we have reviewed several of them. Cardholders will receive even deeper discounts than regular rewards members on Special Savings Days. Vernon opened an account in my name when I made a purchase so I would save more. 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. Shoppers initially apply for the basic card and may be upgraded to the Mastercard if they qualify. I have spent some time trying to go back on old statements to verify when they were paid for. Is there a number that I can call so I can know if I qualify for the MasterCard? 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. When applying for new credit it’s important to know what your credit scores are and what’s on your credit reports. Select any options you want to attach to the card. That means it will be crucial that you pay off your balance each month or the finance charges could get very expensive. I actually had a customer service supervisor tell me that I should be grateful for this “gift” that jcpenneys was giving me!!! No bonus points earned at all even though they say you will earn points. Please click here, and update your bookmark/favorites., and update your bookmark/favorites. At this time, the card cannot be used for purchases at stand-alone Sephora stores. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. 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? I need help accessing bill on line. Information related to the JCPenney Mastercard® is very difficult to find online. 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. So we hope like this article and very informative for you. These ratings and reviews are provided by our users. 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. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. 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. 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!). Having a JCPenney Credit Card can make your department store shopping more worthwhile. Of note: if you’re making an online purchase, the points are alotted once the item has shipped. Once a rewards member reaches 200 points, a $10 rewards certificate is issued. JCPenney credit card holders are automatically enrolled in the JCPenney Rewards program upon approval. I have paper bill but it’s not the correct amount. This site does not include all credit card companies or all available credit card offers. JCPenney Credit Card Managing your JCPenney credit card is now easier than ever with our app! Every single credit card on the market comes with pros and cons. Please see our Advertiser Disclosure for more details! 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. Click here to see a list of advertisers that we work with. https://www.jcpcreditcard.com/eSecurity/Login/login.action?clientId=jcpenney&accountType=generic&langId=en. You can also access your certificate in your online rewards account portal or through the mobile app. may qualify for special financing offers. Prior to this change, coupons could be used, and THEN the rewards deducted. Huh??? As their stock continues to sink, they maybe going the way of Sears. In U.S. stores only, save 15% on custom blinds and shades, and 5% on major appliances. That depends. In any case, since you can just utilize the card at JCPenney… 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. 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. In terms of fees and drawbacks, the JCPenney credit cards have some big ones. Email needed if you'd like comment updates. 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. We’ll go into this in more detail in the Login & Account Management section below. You should call the number on the back of your card for account inquiries. 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. JCPenney is a symbol in the retail business and one of the nation’s most seasoned retail establishments. Once you have done so, you can simply log in with your username and password. 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. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. The basic JCPenney credit card can be used at the following retailers: The JCPenney Mastercard can be used at the above stores as well as anywhere Mastercard is accepted. Erin currently maintains her status as Alex's adventure-seeking partner-in-crime and contributes to Upgraded Points through in-depth content creation & relationship management. JCPenney has 2 store-branded cards issued by Synchrony Bank: a basic credit card and a Mastercard. You can call Jcpenney at (800) 542-0800 toll free number, write an email, fill out a contact form on their website www.jcpenney.com, or write a letter to JCPenney, Inc, 6501 Legacy Drive, Plano, Texas, 75024, United States. You can contact JCPenney tech support at 800-527-4403 to help you access your bill online. 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. If you have any query, then please let us know in the comment section below. Shoppers can only use JCPenney rewards certificates on eligible JCPenney purchases. It will NOT be published. Plus, save 5% on electronics (including TV’s), Modern Bride® Design Your Dream Ring, and smart watches. It also available for best discount offers and rewarded point. Home: Apply now: My account: Pay my bill: JCPenney Rewards : Card benefits: Gold & Platinum status: FAQs If you shop there a lot and take advantage of their sales (beware of price inflation! **As mentioned earlier, there is no file accessible/available online for the terms and conditions of this card. *Purchases subject to credit approval. For many people, their storefronts are viewed as a cornerstone of the American shopping mall, and almost everyone recognizes the brand or has flipped through a JCPenney catalog at some point. 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). 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. You can use it anywhere. Questions or comments? As far as we know, there is no minimum per-month spend on this card. However, unless you’re a regular JCPenney shopper, you may be better off with a regular secured credit card. In-store: A reward certificate is available almost immediately after earning it, and it can be used toward the next transaction anytime thereafter. 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! This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Also, when you receive your rewards certificates, they can only be utilized at JCPenney. Open JCPenney Credit Card Application Website and fill in your personal information. The JCPenney Credit Card is a store card that is only usable at JCPenney. All Rights Reserved. Utilizing JCPenney Credit Card to purchase any item like apparel, adornments, and hardware after furniture that is the best use forever. © 2020 Upgraded Points™, LLC. Especially since 1:1 is not the best earnings ratio, when you consider many other rewards based credit cards offer bonus points in everyday spending categories like gas, dining, travel, etc. Or is a minimum that you have to spend on the card? 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. 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. shipping, delivery or installation charges, and restocking or recycling fees). The JCPenney Credit Card is issued by Synchrony Bank. Please be advised that we are not JCPenney, we are a blog sharing information on travel and credit cards. If a member does not have either option available, they can give their linked phone number or email address at checkout. We've upgraded our site! JCPenney provides cardholders with 2 different platforms for managing their account: online and via their mobile app. This means monitoring your finances closely, spending wisely, and paying off your balance on time, in full, each month. Please cancel my card and reinstate my husbands card. The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. 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. Credit card issuers want to see a strong credit history, steady income, and low credit utilization. So what about their credit card — does it stand up to the store-branded cards offered by other retailers? But remember that having this credit card doesn’t mean you should spend beyond your limits. So, if you don’t stick strictly to JCPenney for shopping and/or you want some flexibility with the rewards you earn, this isn’t the right card for you. 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. In addition, as an Amazon Associate we earn from qualifying purchases. Similarly, the rewards can only be used at JCPenney. You can attempt this JCPenney credit card login after any Bills Pay on the web. Pay your JCPenney Card (Synchrony) bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. *A different offer may be available in store. 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. That means a credit score of 640+. 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. Hi Ana! She caught the travel bug just after high school when her grandmother took her on a two-week, whirlwind trip around Europe. So if you’re not buying a sale item, are you really saving by earning rewards on that overpriced bedding set? 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. We do not have any affiliation with JCPenny or the credit card, so unfortunately I cannot say how this might have happened. However, as of 2014, the gold and platinum programs were discontinued. 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Getting an immediate decision is a possibility whether you apply for a 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. Customers receive the most up-to-date terms and conditions in the mail when they receive their upgraded card and welcome packet. 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 card can be approved instantly, but in some cases the application may require further review. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app. Welcome jcpenney credit card is issued the mobile app to redeem used toward the next section..! Re making an online purchase, the JCPenney credit card review sites agree that applicants be! 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