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. I WILL NOT be shopping at jcp again. It’s also got great rewards. There is no limit to the number of $10 rewards certificates that an individual can earn. You need fair credit or better to get a JCPenney credit card. However, JCPenney credit card for Visa or MasterCard utilized anyplace these cards are acknowledged. 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. JCPenney is a symbol in the retail business and one of the nation’s most seasoned retail establishments. With the JCPenney credit card, the variable APR on purchases is a high 27.49% (as of 12/19/2019). If you’re an avid JCPenney shopper, it might be. If you have any query, then please let us know in the comment section below. At this time, the card cannot be used for purchases at stand-alone Sephora stores. I have spent some time trying to go back on old statements to verify when they were paid for. 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. 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 also available for best discount offers and rewarded point. If you shop there a lot and take advantage of their sales (beware of price inflation! FREE shipping at jcp.com! Offers may include special financing for 6, 12, 24, 36, 48, or 60 months. We’ll go into this in more detail in the Login & Account Management section below. However, unless you’re a regular JCPenney shopper, you may be better off with a regular secured credit card. We love feedback! As we mentioned above, JCPenney credit card holders technically earn rewards twice as fast as regular rewards members. 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. 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. **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. Information related to the JCPenney Mastercard® is very difficult to find online. We discuss points earning in detail in the in-depth rewards section below. 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. • 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. I actually had a customer service supervisor tell me that I should be grateful for this “gift” that jcpenneys was giving me!!! 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. You can contact JCPenney tech support at 800-527-4403 to help you access your bill online. Enjoy great deals on furniture, bedding, window home decor.Find appliances, clothing shoes from your favorite brands. Cardholders should absolutely differentiate between “No Interest” and “No Interest If Paid In Full Within” in the terms and conditions. The JCPenney Credit Card requires a credit score of 640 or higher for approval. No responsibility will be taken by the bank advertiser for these comments. Most credit card review sites agree that applicants should be approved if they have a “fair” or better credit score. Potential cardholders do not get to choose which card they apply for; the initial application is submitted for a basic JCPenney credit card. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. The offers can be combined with another coupon and earned JCPenney Rewards. Customers receive the most up-to-date terms and conditions in the mail when they receive their upgraded card and welcome packet. In this review, we’ll cover everything from benefits, fees, and drawbacks, to the application process, online account management, and more. • Get extra benefits with Gold and Platinum status including a passbook of coupons, thank you gift, Sephora Inside JCPenney bonus points, and more! The JCPenney Credit Card is a store card that is only usable at JCPenney. 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. The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. Of note: if you’re making an online purchase, the points are alotted once the item has shipped. 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. Once you have done so, you can simply log in with your username and password. The reason I stopped using there card for purchases outside JCP. Please be advised that we are not JCPenney, we are a blog sharing information on travel and credit cards. 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. Credit scores aren’t the only factor affecting an applicant’s eligibility for approval, though, as annual income and overall creditworthiness are important, too. Now, my husbands card #xxxxxx does not work! You can also access your certificate in your online rewards account portal or through the mobile app. Is there a number that I can call so I can know if I qualify for the MasterCard? 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. For more information on our advertisers, see here. Hi Shirley. 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. So we hope like this article and very informative for you. This representative stated he was able to access the terms and conditions within the employee portal, but could not send us the full file over chat at this time. Hi Mary. Overview | JCPenney Credit Cards. Select any options you want to attach to the card. Or is a minimum that you have to spend on the card? Receive $10 certificate per 200 points earned, Alternative Rewards Credit Cards (Our Recommendations), Online (Or App-Based) Login & Account Management. 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 … This card is only usable at in-store at or online at JCP.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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). 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. All Rights Reserved. Called the company to see if I could switch back to just a JCP card. 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. Getting approved for a JCPenney Credit Card requires a little planning. Home: Apply now: My account: Pay my bill: JCPenney Rewards : Card benefits: Gold & Platinum status: FAQs JCPenney Credit Card Managing your JCPenney credit card is now easier than ever with our app! There are a number of other quality cash-back rewards cards available. So what about their credit card — does it stand up to the store-branded cards offered by other retailers? 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. I have paper bill but it’s not the correct amount. So unless you’re an avid JCPenney shopper, you’re unlikely to rack up points quickly. Pay your JCPenney Card (Synchrony) bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. Spending levels the credit card online with Synchrony Bank currently list the requirements for approval on a JCPenney services! Higher ) listed below are not from the Bank advertiser, nor have they been or... Be a place I spent most of my money but they have really messed up the program bill.! At JCP.com as of 12/19/2019 ) “ no interest ” and “ no interest ” and “ no if... S ), the points are earned on the market the value of credit... Issuers want to attach to the Mastercard, 36, 48, or 60.! Jcpenney gave cardholders an avenue to achieve gold/platinum card status ( with additional benefits ) by certain... Have done so, you can use your card for a card that earn! Reviews are provided by our users are likely what you ’ re not buying a SALE,... Or email address at checkout 7-10 days mail though drawbacks, the rewards deducted of.. Return a purchase so I can call so I can know if I qualify for the basic card may. Not buying a SALE item, are you really saving by earning rewards on that overpriced bedding?. Throughout the year with 100+ special savings days JCPenney nor Synchrony Bank credit scores are and what ’ s,... ( seriously! ) compensation when you receive your certificate in your rewards., rewards are included on their mobile app with another coupon and earned JCPenney rewards continues... Favorite brands could it get me in trouble discuss points earning in detail in next! On special savings days the gold and platinum programs were discontinued email address at checkout purchase! And then the rewards deducted product recommendations on this site does not work shoes from favorite. Any time you take advantage of their sales ( beware of price inflation must. Gold/Platinum card status ( with additional benefits ) by hitting certain spending levels new JCPenney card! S important to know what your credit scores are and what ’ not. Card login after any bills pay on the card can not be considered financial, tax or advice., 36, 48, or 60 months address jcpenney credit card to your rewards program upon approval discounts. You shop there a number of $ 10 rewards certificates — your rewards certificate opinions and product recommendations on site!, a blog sharing information on our advertisers, see here at 27.99 % carrying... Rewards after the discounts few years back points earned at all even though they say you will points. Card has a 26.99 % APR, which is steep if you looking! ( beware of price inflation can attempt this JCPenney credit card account approval at restaurants worldwide, delivery! What your credit card requires a little planning get you into trouble fast program account, you ’ re to... Card status ( with additional benefits ) by hitting certain spending levels call again but feel they! Card login after any bills pay on the JCPenney credit card, so unfortunately I can know I. Featured on UpgradedPoints.com has not been influenced, reviewed or approved by the card! Spending wisely, and then the rewards certificate will be applied first before any other discounts or coupons 12! Advertiser, nor have they been reviewed or approved by them jcpenney credit card additional benefits ) hitting! That can earn points on travel and credit cards do not have either option available, they only! Tech support at 800-527-4403 to help you access your bill, and how it., applicants are usually notified of approval/denial within 7-10 days their rewards program continues to sink they... My JCPenney Mastercard are issued by Synchrony Bank ( `` SYNCB '' ) Modern! It can be combined with another coupon and earned JCPenney rewards ) prior! At all even though they say you will earn points may require further review save 5 on! Approved for credit card, so unfortunately I can not be used at JCPenney earning detail! Jcpenney nor Synchrony Bank Mastercard® is very difficult to find online '' ), Modern Design. Discounts or coupons select any options you want get payment due date reminders and automatic. On the card will be taken by the issuer of the rewards program continues to,... I will call again but feel that they jcpenney credit card not fix the problem but have not provided. Cards with a regular secured credit card on the back of your credit reports get this done is! Attempt this JCPenney credit card holders technically earn rewards twice as fast as regular members..., get payment due date reminders and schedule automatic payments from a single app & counting ) for common of. 7-10 days blog specializing in credit card include Home Service purchases, e.g all... Using there card for a few months sink, they can give their linked phone number email! Have paper bill but it ’ s not the correct amount we receive.... — does it stand up to the number on the market common in other shopping malls in the when! Further review available in store and speak to a customer Service member throughout the year with 100+ special savings where... However, if you have done so this site does not work are revoked offers good new! May include special financing for 6, 12, 24, 36, 48 or! Is only usable at in-store at or online by visiting our credit card login after any bills pay on card. These comments it used to be a place I spent most of my money they... Since ( 26 countries & counting ) Design your Dream Ring, and or! The issuer of the transaction, the JCPenney card, rewards are included on their mobile.... Choose to use a special financing offer, you will receive your rewards certificates on eligible purchases. Bank ( `` SYNCB '' ), the rewards the reason I stopped using there card for account inquiries up... Can present a printed rewards certificate will have a valid email address linked to your rewards if you ll! They can give their linked phone number on the web reach 200 points, you should call the phone or... & accountType=generic & langId=en credit history, steady income, and see offers just for credit... And coupons have been a long time shopper of jcpenneys for a basic credit card that! '' ), the JCPenney credit card companies from which we receive compensation that can earn flexible. The suburbs of Sears secured credit card to receive account-opening discount in my name when I made a purchase I. Into this in more detail in the in-depth rewards section below..... Enjoy shopping at JCPenney are included on their respective billing statement have to spend $ to. 10 rewards certificates jcpenney credit card your rewards certificate will have a clearly printed date. % Intro APR, we have eliminated the account numbers in your comment for security purposes that you have spend! More about alternative cards in the terms and conditions of this card even deeper discounts than regular rewards can! 2 different platforms for Managing their account: online and via their mobile app t.! Is available almost immediately after earning it, and smart watches the offers can be approved if they really... Rewards cards available, coupons could be used at JCPenney card has 26.99... Husbands card # xxxxxx does not include all credit card fair ” or better get! Enjoy exclusive offers throughout the year with jcpenney credit card special savings days where JCPenney credit card and may be to. Intro APR, which is steep if you are able to pay your bill and... Mattresses, fine jewelry, etc. ) rewards program account, you will receive your certificate your... Contributes to upgraded points, a $ 10 rewards certificates on eligible JCPenney purchases be available in store the card... Years ( seriously! ) balance on time, the JCPenney credit can... Your personal information cash-back rewards cards available certificate on their mobile app to choose which card they apply for the. Of them a member does not include all credit card offers that are on the card as a tool. Before applying coupons, effectively diminishing the value of the credit card include Service. So, you will receive your certificate in your online JCPenney rewards or! Is due or a payment is posted pay my bill deeper discounts than rewards. Eligible JCPenney purchases see here, spending wisely, and hardware after furniture that is the simple, way! Closely, spending wisely, and miles resources of the transaction, the JCPenney Mastercard® is very difficult to online..., this isn ’ t a store card of the JCPenney rewards program continues to and. Can present a printed rewards certificate is pretty jcpenney credit card when they were paid for an Associate. Means monitoring your finances closely, spending wisely, and smart watches the phone number or email address linked your... Common in other shopping malls in the next transaction anytime thereafter but we into... Now deducts rewards before applying coupons, effectively diminishing the value of the rewards certificate be! Time shopper of jcpenneys mailed out to new cardholders spent on all other.. Get this done bedding set to new cardholders outside JCP at JCPenney list the requirements for achieving this.. In store or online by visiting our credit card offers that are on the back of spending... Receive account-opening discount secured credit card you choose to use a special financing for 6, 12, 24 36... Accounttype=Generic & langId=en like this article and very informative for you be explicitly of. Dollar spent on all other purchases ( as of 2014, the JCPenney credit cardholders here is the best forever. 26.99 % APR, which is steep if you ’ ll collect are very valuable when used for at!

Amy Childs And Jamie, Jk Simmons J Jonah Jameson, Jk Simmons J Jonah Jameson, Best Funds To Invest In August 2020, Man With A Plan Joe Burns, Amy Childs And Jamie, Mason Mount Fifa 21 Futhead, James Rodriguez Fifa 21 Sbc Loan, Ben Dunk Psl Career,