The JCPenney credit card is recommended for those who wish to earn rewards on every purchase made. This credit card is issued by Synchrony bank. With this card, shopping at JcPenney.com and at JCPenney stores is made easy. However, JCPenney is an online shopping platform that offers you amazing collections of home items, they include; clothes, furniture, toys, jewelry, and lots more. This platform was established in 1902. On the downside, although this credit has paltry rewards and a high APR, the credit card is a poor choice for most cardholders. Consistent customers can save a considerable amount of money with this credit card. For those customers, features such as no annual fee, exclusive coupons overweights the card’s limit on redemption, and a high APR of 27.99%. It is advisable to pay attention to the perks so as to avoid carrying a balance from month to month, you’ll run the risk of interest charges negating your rewards and your benefits. This credit card comes with a bare bone earning scheme that was improved when the company revamped its rewards program in July 2017.
How the Card Works
The rewards rate is 0.5 points per dollar on qualifying JCPenney purchases. It has sign up bonuses, you get to save 20% off apparels, shoes, accessories, salon products, vlinds6, furniture in the US only. Save 5% off modern bride design your dream ring also with major appliances in the US only. Its offers apply to first in store or online purchase on the day of accounting opening. It has no annual bonus and an annual fee. The average yearly savings is $21. It’s APR is 27.99%, however, this is variable. Rewards certificate are given in $10 increments for every 200 points you earn, certificate can be combined with other discounts or coupons. Points earned don’t expire as long as they are earned every 12 months. Its special savings come in the form of exclusive coupons, special pricing on selected merchandise, and invitation-only shopping events. When you spend $1000 annually, you will be granted platinum status. For any 200 points you earn, you’re issued a $10 rewards certificate which can be combined with discounts and coupons. Cardholders need to take advantage of the card’s sign up offers. Also, make use of the card at least once every 12 months to avoid losing earned points.
Benefits
- No annual fee
- You receive a birthday present to celebrate your birthday
- Offers cardholders protection and benefits
- Offers multiple sign up bonuses
- You get to earn up to 2000 points on a single purchase
- You can easily upgrade to platinum and gold status to get bigger perks
- You receive 1 point per $1 spent on qualifying purchases made with your card.
How to Apply
To successfully apply for JCPenney credit card online, follow the steps below;
- Visit the JCPenney credit card website
- Click on apply now at the top
- When the application page loads, enter your last four SSN and mobile number, then tap on continue.
- On the next page, enter your personal information such as your names, address, zip code, city, state6, phone number, email, date of birth, annual net income
- Lastly, tap on the continue button.
To apply in person, you need to visit any JCPenney store.
To login to your credit card account, follow the steps below;
- Launch your web browser and visit Synchrony JCPenney card website
- Click on the login button at the top
- Enter your username and your password on the login page
- You can click on remember user ID to automatically sign you in
- Then, click on secure login to gain access to your account.
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