Credit Cards » JCPenney

JCPenney Credit Card Alternatives

What is a better way to enjoy your department store shopping experience than with the JCPenney Credit Card? The card can be used to tap into a line of credit through GE Capital Retail Bank, building rewards and qualifying you for special deals and promotions along the way. Nothing says it's time for a shopping spree like reward money or an exclusive discount.

Alternative Credit Cards for JCPenney Shopping and more

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars± and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1,500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 100% U.S. - based customer service - day or night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • Cash back doesn′t expire and there′s no limit to how much you can earn.
  • 0% intro APR on purchases until December 2015; 22.9% variable APR after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is ever lost or stolen.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limited0%
(until
December
2015)
0%
(until
December
2015)
22.9% (Variable)$39
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 150,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • St. Patrick´s Day Deals with Fingerhut!
  • Get $50 off $200 - USE Promo Code NC954. Exp. 4/03/2015.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a24.90%$0
  • Start with a $0 intro annual fee for the first year; $19 after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limitedn/an/a24.9% (Variable)$0 intro for first year;
$19 after that
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars± and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1,500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • ±See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0%
(18 months)
0%
(6 months)
10.99% -
22.99% Variable±
$0
  • Get the credit you need with a competitive rate.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limitedn/an/a20.9% (Variable)$39
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a0.00%See terms

JCP Rewarding Membership

The JCP Credit Card is a great way for the frequent JCP shopper to get more for their money. The card is financed through GE Capital Retail Bank, the finance arm of General Electric, one of the world's largest corporations. GE Capital has over 60,000 employees, operates in more than 55 countries, and has more than $550 billion in assets.

JCPenney certainly can back up their name as well, with over 100 years in business and more than 1,100 locations, you may find it difficult to avoid using your card. JCPenney is one of the largest department stores selling clothing, makeup, jewelry, electronics, home products, and more. If you can't find what you're looking for at JCPenney, chances are you're not looking hard enough.

The JCPenney Rewards Credit Card isn't just a way to afford what you're looking for. The card will offer you access to the JCP Rewards system, which will allow you exclusive offers only given to JCPenny Credit Card holders. First off, you'll receive $10 towards JCPenney purchases for every $100 you spend in qualifying purchases at JCP. You can earn up to $100, and purchases made at JCP.com will apply as well. Rewards can be sent to your e-mail, mobile device, or online for printing.

You'll also earn sneak peeks at new items and events sponsored by JCP, a birthday gift every year, fraud protection, special promotional financing on certain items and other great offers and surprises. All of this will be given to you via an organized system for tracking your rewards which will let you know when your rewards are ready to use or are going to expire.

JCP Rewards cannot be combined with other members, and if you return a purchase that amount will be deducted from your rewards point pool. Other than that, the system is pretty straightforward and you should be able to start earning points as soon as you're approved. It also only takes about two business days for your points to appear on your profile, meaning there's no extended wait time for using your rewards.

If you're a tried and true JCP shopper, you're just one credit card application away from making your shopping experience that much more valuable. It's not hard to spend $100 in a month, but with the JCPenney Credit Cards it's not hard to earn it either.

± Click apply for Terms & Conditions.