There are a wide range of credit cards for various purposes that incentivize various purchases. There are travel credit cards, cashback cards, reward cards, and store credit cards. A store card that provides you with a lot of benefits and rewards is the JCPenney Store Credit Card.
You should consider using the JCPenney Credit Card if you regularly shop at any JCPenney stores all over the country and if you want to earn discounts and rewards.
To learn more about the benefits and many other features this card offers and how to apply online, read on.
JCPenney Store Credit Card Features and Benefits
Many people come to JCPenney for their high-quality products and exclusive deals and promos. The JCPenney Store Credit Card is ideal for loyal JCPenney customers who want to get the most out of their shopping experience.
Cardholders can earn a $10 certificate after spending at least $200 in JCPenney purchases. You also do not have to pay a single cent in annual fee as the annual membership fee is not necessary for you to remain a member of the card.
You’ll also receive discounts and exclusive offers when you open an account for a JCPenney Store Credit Card.
When it comes to finding good deals, look for the nearest JCPenney store, and with the JCPenney Store Credit Card, you can find some of the best deals in town.
Different Card Tiers
When you sign up for the JCPenney Store Credit Card, you have three tiers to take advantage of, which depend on how much you spend every year. These are the basic, gold, and platinum status. Cardholders will have the default basic status when they spend up to $499 a year.
With the basic status, you can receive 1 reward point for every dollar that you spend alongside a birthday gift every year and other special coupons that you can use in the store. The gold status can be achieved when you spend up to $999 a year and you’ll still receive the same amount of reward points and the birthday gift. What makes it more enticing is that you can pick your own sale day when you have gold status.
Lastly, Platinum status is achieved when you spend more than $1,000 dollars every year. Other benefits include free shipping, eight special coupons, pick-your-own-sale day, and many more exclusive features.
Rewards and Other Offers
Just when you think that the JCPenney Store Credit Card is done with the features and benefits, the card continues to surprise you even more.
Get as much as 35% off on selected purchases when you use your JCPenney Store Credit Card. As mentioned above, you receive 1 reward point for every dollar that you spend using the card and the points do not expire.
You also get special financing options for large purchases when you use the card. This will help you pay off your large expenses without having to throw your monthly budget out of the loop. You can track all of your rewards through the JCPenney app which you can install on your phone.
Log in and link your account so you can monitor the reward points that you have accumulated. You’ll even receive prompts about upcoming sales and other offers.
Redeeming Your Points
Earning rewards is very easy but redeeming the points that you’ve earned is much easier.
Every time you accumulate at least 200 reward points, you are immediately entitled to a $10 JCPenney Rewards certificate that you can use on purchases at the store or the website. The expiration date of the certificate will appear on the coupon itself so feel free to check it out.
Make sure that you use the coupon right before it expires to get the most out of your rewards. You can also use these coupons during sales and any other promotions.
Interest Rates, Fees, and Other Charges
For those who want to apply for the JCPenney Store Credit card, you should know the interest rates, fees, and other charges when using the card.
The card has a variable APR of 30.24% on purchases. While there is no annual fee, there is a foreign transaction fee of 3% of the total amount per transaction.
The balance transfer fee will depend on your creditworthiness. Late payments will be charged with a fee of up to $38.
Is the JCPenney Card Right For You?
The JCPenney Store Credit Card is the right card for you if you choose to shop at JCPenney and want to make the most out of your purchases.
This card is for those who regularly shop at the store. The special financing offer and the rewards program let you save a lot of money through the useful advantage of coupons.
Make big purchases with the JCPenney Store Credit card and you will surely have a better time handling your finances. If you’re not a regular JCPenney customer, you might not get the most out of the credit card.
Find Out If You’re Eligible
Before you jump into the hype of using the JCPenney Store Credit Card for your next shopping spree, you need to learn about the eligibility requirements of the card first.
Applicants are encouraged to know their credit score first, as the provider requires you to have a good credit score and history before you can apply. You should also be 18 years old and above with a decent income.
You must also be a resident of the US and must have the documents to prove that you are one. Applicants are also advised to prepare all of these documents before applying for the card. If you plan on applying online, make sure you have a digital copy of all the required documents.
You can call their customer support number at (972) 431 1000 for more information on the application procedure or visit their head office at 6501 Legacy Drive, Plano, Texas 75024.
How to Apply for the JCPenney Credit Card
You can apply for the JCPenney Store Credit Card at both the store and through their official website. If you plan on applying at the store, bring the documents with you and approach a representative to assist you with the application process.
You will need to fill out an application form and submit the requirements and wait for their decision. When you apply online, head over to the official website and click on “Apply”, and complete the form.
Review the terms and conditions before submitting and wait for their email to see if you have been approved.
Conclusion
JCPenney Store Credit Cards are considered luxury cards because they are intended for shopping purposes. They also come with great discounts, features, and amazing rewards. Another great attraction is its zero annual fees which makes it a worthwhile card to own.
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.