If you’re an avid JCPenney shopper, you are most likely looking for a credit card that will allow you to enjoy using the card at the store while earning rewards. This is why JCPenney has introduced the JCPenney credit card to its loyal customers so they can get more out of their shopping.
You can earn rewards, get exclusive perks, and more with the JCPenney credit card. While you can thoroughly enjoy this card in-store, you can also use it on your daily purchases in select establishments across the country.
If you’re interested in applying for the card, check out the article below to find out.
Benefits of JCPenney Credit Card Rewards
One of the best benefits that you will get with the JCPenney credit card is the massive in-store discounts.
Whether you’re purchasing in a store or online, you can use the card to pay for your purchases and get discounts and exclusive offers that are only available for cardholders. You also get special financing offers for specific purchases like major appliances, furniture, and even fine jewelry.
These offers include financing for up to 60 months depending on your choice. Cardholders can further enjoy more deals and discounts on Special Savings Days when they can receive an extra 20% off on certain purchases.
You even get a discount on your first purchase so make sure that you make it worthwhile. Cardholders also receive a surprise gift on their birthday.
Check Out the Rewards System
Cardholders are automatically enrolled in the JCPenney Rewards program. JCPenney Rewards members can earn 1 reward point for every $2 spent on purchases but when you are a JCPenney credit cardholder, you earn 1 reward point for every $1 spent.
The reward points do not expire as long as the account remains open. Take note that the reward points are only earned once the item has shipped if you have made an online transaction.
You can then redeem 200 reward points for a $10 certificate that you can use for your next purchase at JCPenney.
Interest Rates and Other Charges
The JCPenney credit card comes with no annual fee, letting you save money on your membership. It is a must-have for those who want to own a store credit card as you won’t always be shopping at the store.
With no annual fee, you can keep the card and only use it when you purchase items at the store or online, or on holiday sales.
The card has a fixed interest rate of 27.99% on purchases, with a minimum of $2 for interest charges. Make sure that you don’t make any late payments as you will incur a late fee of up to $38.
There are no cash advance fees or foreign transaction fees that come with this card.
Contact Details
If you have further inquiries about the rewards program or any concerns with the credit card, you can call their customer service hotline at 1-800-542-0800.
A representative will be on the line to assist you with your concerns. You can also write to them at JCPenney Credit Services customer service C/O SYNCB P.O. Box 965009 Orlando, FL 32896-5009.
You can also drop by their main office at JCPenney Credit Services customer service C/O SYNCB P.O. Box 965009 Orlando, FL 32896-5009.
Applying for JCPenney Credit Card Rewards Online
There are two ways for you to apply for the JCPenney credit card. You can apply online through the official website or in-store where a representative can assist you with your application.
Simply fill out the application form with your details and upload the required documents. When you apply in a store, make sure to bring with you copies of the required documents so that the store representative can check them.
It will only take a few minutes before you’ll receive an answer to your application.
There are some instances that the application is put on hold. There are a plethora of reasons behind this which can include further review, or the need to clarify errors on the application form.
What Are the Requirements?
While JCPenney does not have a list of credentials for applicants to prepare before they apply, it is safe to assume that you will need to provide proof of identity confirming that you are an American citizen and above 18 years of age.
You are also required to have a decent income, whether you are employed or self-employed, and have documents to prove it. The store may also require you to provide proof of address such as your utility bill or mortgage agreement.
Lastly, you must also either have a good or fair credit score to improve your odds of getting approved for the card.
Online Management of Your JCPenney Account
You can access your JCPenney credit card account through the website or the JCPenney mobile app. Both platforms will allow you to view and manage your account.
You can view your current balance and billing statements, make payments, set up paperless billing, set up alerts for the security of your card, and track the reward points that you have collected.
You can also use the online platform to access your rewards and redeem them. New cardholders can use the online platform to activate their JCPenney credit card or you can call their customer service hotline for assistance.
Tips for Maximizing JCPenney Credit Card Rewards
There are different ways to maximize your JCPenney credit card rewards. First, take advantage of the welcome offer where you can make a large purchase and use the special financing offer so you don’t pay the total amount in bulk.
Make good use of the card during special sales and holiday promotions to get even more reward points.
When redeeming your rewards, choose carefully and make sure to redeem them before your monthly due so you can use the certificate as either additional payment for your bill or reduce the cost of your next purchase.
Conclusion
The JCPenney credit card is a solid choice for those who are loyal shoppers of JCPenney. If you want to gain exclusive rewards, benefits, and perks, it is time that you learn how to apply for the card to enjoy all of them.
Note: All credit products carry risks. Read the terms and conditions of the product to know more.
