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 unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 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
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average, Fair, LimitedN/AN/A24.99% (Variable)$39
  • 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*
  • 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/A15.90% - 24.40% Variable$0 - $99
  • All credit types welcome to apply!
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results are provided online!
  • Monthly reporting to the 3 major credit bureaus.
  • 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
Bad/NoN/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
FairN/AN/A15.90% - 24.40% Variable$0 - $99
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*

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.