JCPenney Online Credit Center (2023)

*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. For each $1 spent on a qualifying purchase at JCPenney stores or jcp.com, you will receive 1 JCPenney Rewards point, up to the point maximum (2,000). Rewards apply to net card purchases (minus returns). Once you reach 200 points, you will be issued a $10 JCPenney Rewards certificate, redeemable on eligible JCPenney purchases. Your account must be in good standing when the reward points are earned and reward certificates are issued. For qualifying purchases and exclusions and restrictions that may apply, please see the Rewards Program Terms provided with your account agreement (as may be amended) or jcp.com/rewards.

(Video) 🛑 JCPenney Customer Service Number

§JCPenney Mastercard Rewards Program: In addition to the JCPenney Rewards program, each JCPenney Mastercard cardmember can earn additional rewards when using their Mastercard Account outside of JCPenney Stores and jcp.com, provided their JCPenney Mastercard Account ("Mastercard Account") is open, in good standing and not more than 2 payments past due at the time rewards are issued and redeemed. Earn 1 reward point ("MC rewards") for every dollar in net purchases (purchases made by you or an authorized user minus returns and adjustments) everywhere Mastercard is accepted (other than JCPenney Stores and jcp.com). Balance Transfers, Cash Advances, finance charges, and fees do not qualify for points. Each time you reach 1,000 MC rewards points, you will earn a $10 JCPenney Mastercard Rewards certificate ( "MC rewards certificate"). MC rewards certificate(s) will be issued and mailed with your next billing statement after your rewards point balance equals or exceeds 1,000; provided, however, that no more than 3 MC rewards certificates will be issued and mailed in any one month. The MC reward certificates are in addition to any certificates you earn under the JCPenney Rewards program for JCPenney Store or jcp.com purchases. Your MC rewards point balance will be reduced by 1,000 points for each $10 MC rewards certificate issued to you. MC rewards earned, but below the threshold for the issuance of a MC reward certificate, will expire 36 months from the date earned. MC rewards certificate(s) may only be redeemed for new purchases made at JCPenney Stores and jcp.com placed on your Mastercard Account. MC rewards certificate(s) must be surrendered at the time of use. If your JCPenney purchase is less than the amount designated on the MC rewards certificate, you will forfeit the remainder of that amount. MC rewards certificate(s) must be used by the expiration date indicated on the certificate(s). MC rewards certificate(s) cannot be credited to any account, redeemed for cash, replaced if merchandise is returned, or applied to prior purchases, or jcp.com purchases currently being processed. Lost or stolen MC rewards certificate(s) are not replaceable. MC reward certificates are applied to purchases on a prorated basis; any refunds of merchandise will be given in the applicable prorated amount and any reward used on a returned item is forfeited. MC rewards certificate(s) are not transferable. Use of MC rewards certificate(s) is void where prohibited by law. MC rewards certificate(s) may not be used in connection with the purchase of certain merchandise or services, including, but not limited to, gift cards/e-gift cards, and may be subject to additional restrictions, including minimum purchase requirements. See MC rewards certificate for details. We reserve the right to amend or modify the JCPenney Mastercard Rewards program at any time and in any way without notice (including, without limitation, our right to expire points or adjust the number of points for each dollar in purchases). We further reserve the right to terminate the JCPenney Mastercard Rewards program at any time without notice. No additional MC rewards certificates will be issued after termination of the JCPenney Mastercard Rewards program. For questions about the JCPenney Mastercard Rewards program, please call 1-866-227-5213. The benefits provided to Mastercard Accounts under the JCPenney Mastercard Rewards program are provided by Synchrony Bank.

**JCPENNEY GOLD/PLATINUM CARD LEVEL DETAILS: You must 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. Spend $1,000 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 Platinum Status. For the JCPenney Mastercard, Gold/Platinum Status is determined within two billing periods of meeting purchase threshold. We reserve the right to change or cancel the JCPenney Gold/Platinum Program or any or all of its benefits at any time without notice. If your account is not in good standing and/or you no longer meet our criteria, you may be ineligible for the JCPenney Gold/Platinum Program and/or unable to take advantage of JCPenney Gold/Platinum Promotions. The JCPenney Gold/Platinum benefits are available only to residents of the 50 states of the US and PR. The JCPenney Gold/Platinum Program is provided by Synchrony Bank.

(Video) Jcpenny Credit Card Login | Sign In Jcpenney Mastercard Credit Card Account for Online Payments

BIRTHDAY OFFER: A birthday offer will be sent via email, or at JCPenney’s sole option via U.S. mail, to eligible Members. To be eligible for the offer, Members must (a) be residents of the 50 states of the U.S. and PR, and have a birthday date on file with their Program or credit account, (b) if not a JCPenney credit cardmember and/or a JCPenney Home Services Credit Cardmember, have earned points within the last 12 months, (c) if a JCPenney credit cardmember (includes JCPenney Mastercard Cardmembers), have made at least one purchase with their JCPenney credit card within the last 12 months, and (d) have a JCPenney credit card account and/or Program account that is in good standing at the time the birthday offer is issued. Also, Members who reside in HI or who have not achieved JCPenney Gold/Platinum credit account status must have a valid email address on file with their Program account to receive the birthday offer. One offer per account.

††OTHER PROGRAM FEATURES AND BENEFITS. Additional features and benefits may be included in the Program, either for a limited time or on a consistent basis. For instance, Members may receive offers from time to time. Offers may include, but are not limited to, percent-off or dollar-off coupons. Offers may vary depending on whether you use a JCPenney credit card or by the status of your JCPenney credit card. Offers may require that a valid email address be on file with your Program account. Additional features and benefits, including offers, may include additional details, exclusions and terms. Please refer to www.jcp.com/rewards for more information about Program features and benefits.

(Video) Whats An JC Penney's Credit Card? I The Pros & Cons + How they deal with FRAUD!

SPECIAL FINANCING. Subject to credit approval. Minimum monthly payments required. See a JCPenney Associate in store or see online at jcp.com for details.


Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC, Amazon, Kindle, Fire and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

(Video) How To Activate JCPenney Credit Card Online (2023) | JCPenney Credit Card Activation (Quick & Easy)

The JCPenney Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

(Video) How To Activate JCPenney Credit Card Account 2022? JC Penney Credit Card Activation

FAQs

What credit score do you need to be approved for a JCPenney credit card? ›

The JCPenney Credit Card requirements for approval include having a credit score of at least 640 (fair credit), and enough income to make monthly minimum payments. Plus, applicants must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number.

Does JCPenney approve you right away? ›

Yes, the JCPenney Credit Card does offer instant approval. Generally, this credit card gives instant approval to applicants who apply online or in-store and clearly meet the eligibility requirements.

Is it easy to get approved for a JCPenney card? ›

The JCPenney Credit Card is cited as one of the easiest cards to get, and reviewers have reported being approved with credit scores of all types. You can apply online in minutes through the link below, or head into your local JCPenney store to fill out an application.

How long does it take to get approved for a JCPenney credit card? ›

You will generally be instantly approved for the JCPenney credit card. However, Synchrony Bank, the issuer of the JCPenney credit card, may sometimes need to conduct further verification. If that happens, you could receive a decision within 10 business days at most.

Can you get approved for a credit card with 500 credit score? ›

Yes, you can get an unsecured credit card with a 500 credit score, but you will likely end up with high fees, high interest rates, and a low credit limit. The best unsecured credit card to get with a 500 credit score is the Credit One Visa card.

Can you get a credit card with a 520 credit score? ›

It is 180 points away from being a “good” credit score, which many people use as a benchmark, and 120 points from being “fair.” A 520 credit score won't knock any lenders' socks off, but it shouldn't completely prevent you from being approved for a credit card or loan, either.

How can I find out if was approved for a JCPenney credit card? ›

To check the status of your JCPenney Credit Card application, call (800) 542-0800 and follow the prompts to get connected to a representative. Keep in mind that you'll need to provide your Social Security Number for verification. The JCPenney Credit Card does not have an option to check the application status online.

Does JCPenney do a hard credit check? ›

Yes, the JCPenney Credit Card will do a hard pull on your credit when you apply for it. This might have a short-term negative effect on your credit score.

What store credit card can I get with a 580 credit score? ›

Here are some of the easiest department store credit cards to get:
  • Target Credit Card: For people with fair credit. ...
  • Walmart® Store Card: For people with fair credit. ...
  • Kohl's Credit Card: For people with fair credit. ...
  • JCPenney Credit Card: For people with fair credit. ...
  • Fingerhut Credit Account: For people with bad credit.

What is the easiest card to get approved? ›

Secured credit cards will likely be the easiest cards to get for those with either poor credit or no credit. That's because they require collateral upfront in the form of a security deposit, which is typically equal to the amount of your credit line and reduces the risk to the card issuer if you fail to pay your bill.

What is the limit on a JCPenney credit card? ›

What is the JCPenney Credit Card credit limit? The JCPenney Credit Card credit limit is usually around $500 to start, according to forum posts, and some cardholders report limits as high as $15,000. Synchrony Bank does not include any specific JCPenney Credit Card credit limit information in the card's terms, though.

What is the easiest credit card to receive? ›

Secured credit cards are by far the easiest type of credit card to obtain, particularly if you have a poor or limited credit history.

What credit cards can you get with a 584 score? ›

Popular Credit Cards for a 584 Credit Score
  • Best Overall: Discover it® Secured Credit Card.
  • No Credit Check: OpenSky® Secured Visa® Credit Card.
  • Unsecured: Credit One Bank® Platinum Visa® for Rebuilding Credit.
  • Rewards & No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit Card.

What is the lowest credit score you can have to get a credit card? ›

There is no minimum credit score needed for a credit card. Even borrowers with poor credit (a score of 300) or no credit card at all can qualify for some credit cards. However, options for bad-credit borrowers are limited and usually come with a high annual percentage rate (APR) and fees.

What credit card company is hardest to get? ›

Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

Which bank gives credit card easily? ›

1. HDFC Bank instant approval credit card. HDFC Bank credit cards are not only 100% secure, but they also provide instant activation and ownership. here, a potential customer is taken to the end-to-end instant digital application page wherein the issuance happens at a single click.

Can I get a credit card with a 525 credit score? ›

Credit Cards with a 525 Credit Score

The best type of credit card for a 525 credit score is a secured credit card. Secured cards give people with bad credit high approval odds and have low fees because cardholders are required to place a refundable security deposit.

Can I get a credit card with a 524 credit score? ›

It is 176 points away from being a “good” credit score, which many people use as a benchmark, and 116 points from being “fair.” A 524 credit score won't knock any lenders' socks off, but it shouldn't completely prevent you from being approved for a credit card or loan, either.

How much can I get approved for with a 500 credit score? ›

The best personal loans for a 500 credit score are from Upstart. The company offers $1,000 - $50,000 with APRs of 5.35% - 35.99% and repayment periods of 36 , 60 months.

What credit cards can I get with a 480 credit score? ›

Popular Credit Cards for a 480 Credit Score
  • Best for Building Credit: OpenSky® Secured Visa® Credit Card.
  • Low Annual Fee: The First Progress Platinum Elite Mastercard® Secured Credit Card.
  • Low APR: Applied Bank® Secured Visa® Gold Preferred® Credit Card.

What is the easiest unsecured card to get? ›

The Credit One Visa Card is the easiest unsecured credit card to get. It is available to people with bad credit or no credit. Cardholders also earn 1% cash back on eligible purchases.

Can I be rejected from a pre-approved credit card? ›

It isn't common, but a credit card issuer could deny your application even after sending you a pre-approved offer of credit. The exact reason for such a denial can vary from one applicant to the next.

Do you know right away if you're approved for a credit card? ›

In many cases, when you apply for a credit card online you learn the status of your credit card application within minutes. And if your application has been accepted, you're often able to make online purchases with your new credit card number right away.

Do you usually get approved for a credit card right away? ›

Many people who apply for credit cards get approved or declined as soon as they complete the application—but not all credit card applications are immediately approved. This can be frustrating, especially if you were hoping to get access to your new line of credit right away.

Who does JCPenney pull credit from? ›

JCPenney Credit Card reports the card's credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. Synchrony Bank may use a specific credit bureau more than another, depending on the applicant's home state, and other factors.

What triggers a hard credit check? ›

A hard credit check is when a lender pulls your credit report because you've applied for new credit, such as a credit card, a car loan, a home loan or an increase to an existing line of credit.

What happens if you fail a hard credit check? ›

Each hard check is recorded on your report, so any company searching it will be able to see that you've applied for credit. Too many hard credit checks over a short period of time can affect your credit score for six months, reducing your ability to get approved for credit in the future.

Can I get a Walmart credit card with a 650 credit score? ›

The Walmart Credit Card credit score requirement is 640 or higher. That means people with fair credit or better have a shot at getting approved for this card. The Walmart® Store Card also requires at least fair credit for approval.

Can I get a Best Buy credit card with a 620 credit score? ›

The credit score that you need for the Best Buy Store Card is 640, at a minimum. That means Best Buy Store Card requires fair credit or better for approval. There are other things besides your credit score that are taken into account for Best Buy Store Card approval.

What store credit card is easiest to get with a 600 credit score? ›

The best store credit card you can get with a 600 credit score is the Amazon.com Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member. It requires a minimum security deposit of $100, making it easier to get with bad credit.

Can I get an unsecured credit card with a 550 credit score? ›

You need a credit score of 550 or higher to get an unsecured credit card. The higher your credit score is, the more unsecured credit card offers will be available and the better your chances of getting approved will be.

Can I get an unsecured credit card with a 500 credit score? ›

A credit score around 500 is considered poor or bad credit, and is unlikely to qualify for most traditional (unsecured) credit cards. If you find yourself in this credit score bracket you can still qualify for a secured credit card, which is an excellent tool for gradually rebuilding your credit score.

Which credit card is not accepted the most? ›

American Express currently has the lowest acceptance rates internationally. We recommend Amex cardholders carry a backup Visa or Mastercard, especially when travelling outside the United States.

What is a normal credit limit on one card? ›

A credit limit of $500 to $1,000 is average for a first credit card, but it may be higher if you have, say, a history of on-time car payments on your credit file. On the other hand, unemployment or low income may contribute to a lower credit limit.

What is a normal credit limit on a card? ›

What is considered a “normal” credit limit among most Americans? The average American had access to $30,233 in credit across all of their credit cards in 2021, according to Experian. But the average credit card balance was $5,221 — well below the average credit limit.

What gets you a high credit card limit? ›

To get approved for high-limit credit cards, you'll most likely need to have good or excellent credit and a steady income to support a higher credit limit. Picking the right card is important, too. You may be able to find the minimum starting credit limits listed in some cards' terms and conditions.

What credit cards can I get with a 590 score? ›

Popular Credit Cards for a 590 Credit Score
  • Best Overall: Discover it® Secured Credit Card.
  • No Credit Check: OpenSky® Secured Visa® Credit Card.
  • Unsecured: Credit One Bank® Platinum Visa® for Rebuilding Credit.
  • Rewards & No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit Card.

What credit cards can I get with a 570 credit score? ›

Popular Credit Cards for a 570 Credit Score
  • Best Overall: Discover it® Secured Credit Card.
  • No Credit Check: OpenSky® Secured Visa® Credit Card.
  • Unsecured: Credit One Bank® Platinum Visa® for Rebuilding Credit.
  • Rewards & No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit Card.

What credit score do you need for Amazon credit card? ›

Approval odds

Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.

Can I get a loan with a 571 credit score? ›

A 571 credit score can be a sign of past credit difficulties or a lack of credit history. Whether you're looking for a personal loan, a mortgage or a credit card, credit scores in this range can make it challenging to get approved for unsecured credit, which doesn't require collateral or a security deposit.

What unsecured credit card can you get with a 600 credit score? ›

Some of the best unsecured credit cards to get with a 600 credit score: Best for Credit Line Increases: Credit One Bank® Platinum Visa® for Rebuilding Credit. Best for No Upfront Fees: Milestone® Mastercard® - Less Than Perfect Credit Considered. Best for Pre-Approval: Indigo® Mastercard® for Less than Perfect Credit.

What are 5 things credit card companies don't want you to know? ›

5 Things Credit Card Companies Don't Want You to Know
  • Fixed Rates are not really fixed. ...
  • There is no such as thing as having no limit. ...
  • Late payments can be catastrophic. ...
  • Minimum payments will get you nowhere. ...
  • Everything is negotiable. ...
  • Three Takeaways.

Can I get a credit card with a 650 credit score? ›

A 650 credit score is considered “fair” credit, which means you should be able to get a credit card or loan, but a little bit of credit improvement will give you many more options and help you save a lot more money.

Can I get approved for a credit card with 600 credit score? ›

Since 600 is considered to be a fair credit score, borrowers with this score generally won't qualify for credit cards with large welcome bonuses, generous rewards and perks or low APRs. However, there are still some options available — using a secured card or becoming an authorized user on someone else's card.

What store credit card can I get with a 530 credit score? ›

The best store credit card you can get with a 530 credit score is the Amazon.com Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member. It requires a minimum security deposit of $100, making it easier to get with bad credit.

How can I raise my credit score 200 points fast? ›

Increase your credit score by 200 points in 6 easy steps
  1. Use multiple types of credit. ...
  2. Get a credit builder loan. ...
  3. Report bills to the credit bureaus. ...
  4. Use a finance tracking service. ...
  5. Make consistent payments. ...
  6. Keep your utilization low.
Jan 19, 2023

Can I get a credit card with a credit score of 480? ›

As a result, a 480 credit score will make it difficult to qualify for a loan or unsecured credit card, and you will need to focus on rebuilding your credit before trying to get a mortgage, car loan, etc.

Can I get a credit card with a score of 545? ›

Yes, you can, but you'll need to apply for specific cards that accept applicants with low credit scores. Also, be sure to analyze your monthly budget to see if it's the best decision for your financial needs at this time.

Which Bank gives credit card easily? ›

1. HDFC Bank instant approval credit card. HDFC Bank credit cards are not only 100% secure, but they also provide instant activation and ownership. here, a potential customer is taken to the end-to-end instant digital application page wherein the issuance happens at a single click.

Can I get a Walmart credit card with a 520 credit score? ›

The Walmart Credit Card credit score requirement is 640 or higher. That means people with fair credit or better have a shot at getting approved for this card. The Walmart® Store Card also requires at least fair credit for approval.

Which credit card usually gives the highest credit limit? ›

On our list, the card with the highest reported limit is the Chase Sapphire Preferred® Card, which some say offers a $100,000 limit. We've also seen an advertised maximum credit limit of $100,000 on the First Tech Odyssey Rewards™ World Elite Mastercard®, a credit union rewards card.

Videos

1. How to Activate JCpenney Credit Card Account | Activation of JC Penney Credidt Card
(Financeable)
2. Do I have any JCPenney rewards?
(Ask About HEALTH)
3. The Four Pillars of The Father's House: Fasting & Giving | Making Disciples of the Nations
(Lighthouse Fellowship Center)
4. How to Login JCPenney Credit Card Account | JC Penney Credit Card Login for Online Payments
(Login Helps)
5. Return Counter - SNL
(Saturday Night Live)
6. How To Login JCPenney Credit Card Account 2022? JC Penney Credit Card Login Sign In
(Web Tech Tutorial)
Top Articles
Latest Posts
Article information

Author: Msgr. Refugio Daniel

Last Updated: 02/17/2023

Views: 6151

Rating: 4.3 / 5 (74 voted)

Reviews: 89% of readers found this page helpful

Author information

Name: Msgr. Refugio Daniel

Birthday: 1999-09-15

Address: 8416 Beatty Center, Derekfort, VA 72092-0500

Phone: +6838967160603

Job: Mining Executive

Hobby: Woodworking, Knitting, Fishing, Coffee roasting, Kayaking, Horseback riding, Kite flying

Introduction: My name is Msgr. Refugio Daniel, I am a fine, precious, encouraging, calm, glamorous, vivacious, friendly person who loves writing and wants to share my knowledge and understanding with you.