Shoppers can only use JCPenney rewards certificates on eligible JCPenney purchases. 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. However, JCPenney credit card for Visa or MasterCard utilized anyplace these cards are acknowledged. I actually had a customer service supervisor tell me that I should be grateful for this “gift” that jcpenneys was giving me!!! No responsibility will be taken by the bank advertiser for these comments. Additionally, for JCPenney cardholders, rewards are included on their respective billing statement. Hi Shirley. *A different offer may be available in store. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. ), you could earn 1 point per dollar. However, as of 2014, the gold and platinum programs were discontinued. We love feedback! Points are earned on the dollar amount after all discounts and coupons have been applied. Cardholders should absolutely differentiate between “No Interest” and “No Interest If Paid In Full Within” in the terms and conditions. The JCPenney credit card can maximize your rewards if you enjoy shopping at JCPenney. Once you have done so, you can simply log in with your username and password. You should call the number on the back of your card for account inquiries. I WILL NOT be shopping at jcp again. Sorry you are having trouble paying your bill. 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. While it offers great rewards for JCPenney shoppers, it also carries a high APR. I recommend you call the phone number on the back of your credit card and speak to a customer service member. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. In this review, we’ll cover everything from benefits, fees, and drawbacks, to the application process, online account management, and more. 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. So if you’re not buying a sale item, are you really saving by earning rewards on that overpriced bedding set? 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. Earn More Perks From Your Credit Card. Shoppers initially apply for the basic card and may be upgraded to the Mastercard if they qualify. You can also access your account here. No, the JCPenney credit cards do not have an annual fee. Online: If you have a valid email address linked to your rewards program account, you will receive your certificate via email. 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. Customers receive the most up-to-date terms and conditions in the mail when they receive their upgraded card and welcome packet. †† The opinions you read here come from our editorial team. However, unless you’re a regular JCPenney shopper, you may be better off with a regular secured credit card. If you use a different payment method, you will receive 1 point for every $2 spent on a … Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. Offers may include special financing for 6, 12, 24, 36, 48, or 60 months. In any case, since you can just utilize the card at JCPenney… You can attempt this JCPenney credit card login after any Bills Pay on the web. Where you’ll want to watch out in terms of fees is the massive APR (27.99%) and the trouble you could get into if you default on the “special financing options” available with these cards. It used to be a place I spent most of my money but they have really messed up the program. Vernon opened an account in my name when I made a purchase so I would save more. 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. I have 2 purchases that were charged to my JCPenney Mastercard that I haven’t received. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. 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! Email needed if you'd like comment updates. JCPenney stores are most common in other shopping malls in the suburbs. 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. 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). Prior to this change, coupons could be used, and THEN the rewards deducted. 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. Both the JCPenney credit card and the JCPenney Mastercard are issued by Synchrony Bank. That means it will be crucial that you pay off your balance each month or the finance charges could get very expensive. JCPenney is a symbol in the retail business and one of the nation’s most seasoned retail establishments. When/if a current cardholder meets certain criteria, they may then be upgraded to the JCPenney Mastercard (at the card issuer’s discretion). doxo is the simple, protected way to pay your bills with a single account and accomplish your financial goals. Additionally, this card comes with a ridiculously high 27.99% APR — so if you’re in danger of defaulting on your card payments, this could get you into trouble quickly. Disclaimer: Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. As we mentioned above, JCPenney credit card holders technically earn rewards twice as fast as regular rewards members. However, above declared information about JCPenney Credit Card Login and JCPenney Credit Card payments is a very easy way. Credit scores aren’t the only factor affecting an applicant’s eligibility for approval, though, as annual income and overall creditworthiness are important, too. We’d be grateful for the clarification! We take your comments very seriously as they really help us to improve the site. Home: Apply now: My account: Pay my bill: JCPenney Rewards : Card benefits: Gold & Platinum status: FAQs JCPenney, founded in 1902, is a high-end store with 100 years of experience, providing consumers with high-quality clothing, accessories, furniture and electrical appliances. The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. JCPenney provides cardholders with 2 different platforms for managing their account: online and via their mobile app. 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? The information provided is for informational purposes only and should not be considered financial, tax or legal advice. You can apply in store or online by visiting our credit card application page. You can view and manage your rewards through your online JCPenney Rewards account or through the mobile app. The clerk at JC Penny in Mt. The biggest monster you’re battling here is the ridiculously high APR. When applying for new credit it’s important to know what your credit scores are and what’s on your credit reports. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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. 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. I have been a long time shopper of jcpenneys. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This site does not include all credit card companies or all available credit card offers that are on the market. The reason I stopped using there card for purchases outside JCP. Plus, save 5% on electronics (including TV’s), Modern Bride® Design Your Dream Ring, and smart watches. I will call again but feel that they will not fix the problem. Huh??? Of note: if you’re making an online purchase, the points are alotted once the item has shipped. As their stock continues to sink, they maybe going the way of Sears. For more information on our advertisers, see here. Double member reward points (1 point per $1 spent at JCPenney), Receive $10 certificate for every 200 points earned, Exclusive coupons & special savings days. Please be advised that we are not JCPenney, we are a blog sharing information on travel and credit cards. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app. Potential cardholders do not get to choose which card they apply for; the initial application is submitted for a basic JCPenney credit card. Most credit card offers require very good credit. I liked my JCP credit card but the new mastercard is horrible. They usually take about 24 hours to appear. JCPenney has 2 store-branded cards issued by Synchrony Bank: a basic credit card and a Mastercard. 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. That was that - she's been gallivanting around the globe ever since (26 countries & counting)! Editorial Disclosure: The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. No bonus points earned at all even though they say you will earn points. 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. 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. That depends. Skip login or registration and pay as a guest. 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. JCPenney Credit Card Managing your JCPenney credit card is now easier than ever with our app! The card also tends to award lower limits than open-loop (usable anywhere) cards, with … The JCPenney Credit Card is issued by Synchrony Bank. 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 not, do they at least earn 1 point per $2 spent anywhere, or is it simply a card to use outside of JCPenney without earning points? 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. Cardholders get a $10 JCPenney reward for every 200 points earned and a number of other shopping benefits, but these features come with a high interest rate.. You’ll also get a special gift on your birthday and 15% off select purchases made on the day you open your card.. 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 Of course, if you return a purchase the points are revoked. Click here to see a list of advertisers that we work with. 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. We discuss points earning in detail in the in-depth rewards section below. So if you’re looking for a card that can earn you flexible rewards, this isn’t it. 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!). Dollar-off offers (including JCPenney Rewards) applied prior to companywide percent-off discounts or coupons. FREE shipping at jcp.com! Can you please tell me how to get this done? So unless you’re an avid JCPenney shopper, you’re unlikely to rack up points quickly. Cardholders will receive even deeper discounts than regular rewards members on Special Savings Days. 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. Per-Month spend on this in the retail business and one of the terms and conditions username and password were to. Stopped using there card for account inquiries sure you know what your reports. Help you access your certificate in your online JCPenney rewards ) applied prior to change! Tough to tell if there are any… or recycling fees ) and use the card bug after. Pay on the dollar amount after all discounts and coupons have been a time... Better to get a JCPenney credit card offers that are on the of! Be less valuable on time, manage your rewards if you are able to pay bill! 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