Savings Hack: JCPenney Credit Card

By: Malika Wichner

JCPenney credit card

If you’re a frequent shopper at JCPenney, then you’ve probably been offered the JCPenney credit card at checkout. It’s an easy way to earn even more benefits and savings that basic JCPenney Rewards members don’t get. Groupon Coupons has broken down everything you need to know about the credit card, so you know if it’s right for you. 

Check out all of Groupon Coupons JCPenney coupons and promo codes to save even more on the things you love, including dresses, shoes, jewelry, Sephora beauty and more. 

Is The JCPenney Credit Card Right For You?

On top of JCPenney Rewards benefits, the JCPenney credit card, issued by Synchrony Bank, offers rewards based on your spending at JCPenney. The card can only be used in store and at JCPenney online, plus JCPenney Sephora counters and Depending on how much you spend throughout the year, you can be bumped up to Gold (spend $500 at JCPenney in a calendar year) or Platinum (spend $1,000) status, which entitles you to extra benefits like better birthday savings or additional discount days. 

JCPenney Credit Card Benefits 

  • 15% off select original, regular and sale apparel, shoes, accessories, jewelry, salon products, furniture, mattresses, home and blinds/shades
  • 5% off on electronics, Modern Bride Design Your Dream Ring, smartwatches and Tempur-Pedic products
  • Earn JCPenney Rewards 2x faster than Rewards members alone
  • More than 150 cardmember-only savings even through the year
  • Receive special coupons and appreciation discounts based on your card status 
  • JCPenney sales perks, including bonus rewards
  • Special financing on JCPenney purchases
  • 26.99% fixed APR on purchases

What You Need to Know

  • The JCPenney credit card can only be used at JCPenney stores,, or
  • Your credit card could have better benefits, especially in certain categories 

JCPenney Credit Card FAQs

How do I get a JCPenney credit card?

Apply in-store at any register or online.

Is there a specific credit score I need to receive the JCPenney credit card?

Fair credit or better, or a score of 640 or more, is the baseline for a JCPenney credit card. 

Does the JCPenney credit card have an annual fee?


Can I use my JCPenney credit card at Sephora?

You can! The JCPenney credit card is accepted at Sephoras inside JCPenney stores and online at 

How can I cancel my JCPenney credit card?

Call 800-542-0800 to cancel your card. 

For more ways to save at JCPenney, check out our JCPenney Jewelry Sales Guide and the JCPenney Dresses Guide.

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