If you wish to save more on your shopping spree at JCPenney, we have a solution for you. Get your JCPenney credit card today to enjoy its incredible benefits.
The card allows you to earn cash pass points on your purchases. You can later redeem these points for money. Plus, as a cardholder, you can get access to exclusive deals both online and in-store.
JCPenney makes you feel special as a credit card holder. Isn’t that all you want? Read to know more about this card and its magical offerings.
What is this Credit Card?
You may ask what this card is and why it is so special.
The JCPenney Credit Card is a credit card issued by Synchrony Bank with no annual fee. The program or credit account allows you to become a part of the JCPenney family.
The card comes in two versions: one can only be used at JCPenney, while the other can be used wherever Mastercard is accepted.
You can apply for the card either in the store or online by filling out an application form. This way, you can become a JCPenney credit card member.
Benefits and Features
Here are some prominent features and benefits of owning this credit card.
Earn Points and Reward Certificates
As soon as you get the JCPenney credit card, you become a member. This allows you to automatically enroll in the JCPenney Rewards. You can earn reward points on all your purchases.
What are these? For each $1 you choose to spend on a qualifying purchase at JCPenney stores or jcp.com, you can receive 1.5 JCPenney CashPass Points. You can earn up to 2,000 points on every transaction.
As a JCPenney Mastercard card member, you can also earn reward points when using your Mastercard Account outside of JCPenney Stores and jcp.com. That’s a great plus for many of you!
However, you have to make sure that your JCPenney Mastercard Account is open and in great standing.
In this scenario, you can earn 1 Point for every 5 dollars in net purchases. This is applicable everywhere Mastercard is acceptable.
Discounts and Special Offers
As a cardholder, you get access to additional JCPenney discounts and special offers.
For instance, you can save an additional 35% on selected apparel, shoes, and jewelry items.
Similarly, you can save up to 20% on selected blinds, housewares, watches, storage and organization, and beauty products. Your card can save you 5% on selected electronics as well.
Card Holder Perks
Here are a few more perks.
- Every year JCPenney gives a birthday cashpass reward to its members. This is one of the most popular applicable bonus offers.
- JCPenney also gives some of its cardholders exclusive access to bonus events to provide a shopping experience like never before.
- You may also get extra discount using JCpenney coupons to use with your chosen payment method.
Special Financing Options
As a JCPenney credit card holder, you may get an opportunity to pay for your purchases in installments but without any interest. You may get two offers to choose from.
The first one allows you to pay for a purchase without interest until after the particular promotional period ends. The other offer is interest-free if you decide to pay the full amount within a few months.
Make sure you accept your card’s terms according to your financial situation to avoid ending in debt.
Application Process
Here is how the application process works.
Eligibility Requirements
You must be 18 or above and have a social security number to apply for the card. You must also have a valid US address, a source of income, and a credit score of at least 640. Credit approval is imperative to earn this card.
If your score is great, you will be automatically enrolled.
How to Apply
Fill in the application form for the credit and submit it in the store or online. You may get assistance from a representative when in the store. The company is currently unable to provide other methods for this process.
Make sure to read the rewards program terms and conditions in detail.
Approval and Receiving Your Card
Once your application is approved, it may take seven to ten business days to get your card. You can activate the card within minutes and enjoy shopping at your favorite store.
Managing Your JCPenney Mastercard Account
Suppose you have your card now. Here is how you must manage it so it works seamlessly.
Online Credit Center
Check with the credit center to see if you can prequalify based on your credit bureau score. Also, ask them about the concept of net card purchases to know whether they apply to you.
The center then allows you to manage your JCPenney Mastercard account online so you can make your payments easily.
Mobile App
You can also download the JCPenney’s mobile application on your phone to manage your credit card and account easily. It gives you easy access to your account on the go.
Payment and Billing
To ensure that your credit card maintains its standing, make balance transfers and payments online or through mail.
You can also view your billing statements and payment history online to see areas that need your attention.
To avoid missing a payment, set up automatic payments so you get a notification.
Tips to Maximize Benefits
Want to become one of the most beneficial JCPenney credit card members?
Use it as much as you can to make eligible JCPenney purchases. This way, you can earn points and other rewards more quickly than expected. The cash advances you may earn can help you elevate your shopping experience.
Additionally, pay all your bills on time by regularly checking your JCPenney credit card account. Avoid dragging payments and follow all the credit rules.
Drawbacks
Not everything about the JCPenney credit card is good. Here are some drawbacks.
- If you fail to make a payment on credit, you may be charged a high interest rate.
- The minimum credit score requirement is too high for many. This limits the number of people who may want to pursue the card.
- You can use the credit card everywhere. If a store doesn’t accept your MasterCard, you may not be allowed to use a JCPenney credit card outside the store.
FAQs
Here are some common questions answered on this topic. Take a look!
How to Cancel JCPenney Card?
To cancel your card, you must get in touch with a customer support representative by email or phone.
How to Pay JCPenney Credit Card on the Phone?
You can pay your JCPenney Credit Card bill by phone. To make the payment, call (800) 527-4403 to follow the instructions. Enter your payment information as asked and complete the procedure within a few minutes. If this doesn’t work, apply a different payment method.
