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

  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
  • 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/A15.65% - 24.15% Variable$0 - $99
  • Bad Credit, good Credit, and no Credit. Get yours today!
  • 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
Poor / BadN/AN/A*See terms*See terms
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.65% - 24.15% 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
Bad / Non/an/a*See Terms*See Terms
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time
  • Zero fraud liability protects you from unauthorized charges
  • See if you Pre-Qualify without harming your credit score
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.65% - 24.15% Variable$0 - $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.