JCPenney Credit Card – Apply Online Today


Today, you can find a card for almost anything you can think of. There are student cards, gas station cards, and store cards, among many others.

One card that you have likely heard of and have even considered using is the JCPenney Credit Card. This card offers you a chance to spend big when shopping. You can use it to make purchases at JCPenney, while earning discounts and rewards.

To learn more about the benefits that you can enjoy with JCPenney Credit Card, and its application process and eligibility, do read on.

JCPenney Credit Card – Apply Online Today
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Features and Benefits of a JCPenney Credit Card

With a JCPenney credit card, there are a number of benefits that you can earn when you shop at JCPenney stores. Additionally, you can also get rewards with Modern Bride Diamond.

To begin with, you get a 15% discount to spend on JCPenney stores, as soon as your application is complete. This discount covers both online and in-store shopping.


However, this discount does not apply to major appliance purchases. For major appliances, the discount is 5%.

You also get to earn when you’re using this card as you get up to one point for every purchase that you make. However, the downside is that points on this card expire after a month, which means you should redeem them as soon as they accumulate to the desired number.

How to Apply for a JCPenney Credit Card

To apply for a JCPenney credit card, you have to meet certain criteria. First of all, you have to be at least 18 years old and above and your credit score needs to be over 670. Additionally, you have to show proof of income.

Some of the documents that are required for the application of the JCPenney Credit Card is your ID card, a copy of your earning slip, and a bank statement for the last three months.

Your earnings or revenues, in case you’re self-employed, should be around $10,000 annually for you to apply for this card.

You can visit the JCPenney website to begin your application. Click on the credit card menu and then on the ‘Apply Now’ button. You’ll be redirected to the next page, where you will find the application form to fill in your personal details.

Interest Rates and Fees

There is no annual fees for the JCPenney Credit Card. However, an APR of around 26.99% is payable. The card has no cash advances so you don’t have to worry about the fees associated with such a transaction.

JCPenney Credit Card – Apply Online Today
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Contact Information

To reach out to JCPenney regarding the credit card you can get in touch with them at (972) 431 1000. The company’s head office is in 6501 legacy drive Plano, Texas 75024.


JCPenney cards are generally considered luxury cards because they are intended for shopping expenditures, as they come with great discounts.

No annual fees is another big attraction of the card, which makes it worth your consideration.

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.