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

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.74%, 20.74% or 23.74%, based on your creditworthiness. Please note, there is a fee for balance transfers
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0% (12 months (on balance transfers made within 45 days of account opening))N/A16.74%, 20.74% or 23.74% Variable$89 - waived first year
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A16.15% - 24.65% Variable$0 - $99
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • You could WIN $20,000 from Fingerhut.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a25.15%$0
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)N/A12.74%, 20.74% or 25.74% variable$0
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You´ll also receive free online access to your credit score and credit report summary from Experian.
  • See if you´re Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A16.15% - 24.65% Variable$0 - $99
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that Mastercard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair/BadN/AN/ASee Terms*See Terms*
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
PoorN/AN/A16.15% - 24.65% Variable$0 - $99
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0% (15 months (on balance transfers made within 45 days of account opening))0% (15 months)13.74% Variable$0

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.