Shop & Get Rewards Faster. Earn 2X the rewards points with a JCPenney Credit Card - receive 1 point per dollar spent on qualifying purchases.† Special Financing. Available on qualifying purchases for furniture, mattresses, fine jewelry and more.‡ Exclusive Savings Day.

JCPenney Credit Card: The basics

• Special offers for your birthday.
• Bonus events where you can earn more points.
• Exclusive coupons and offers.
• Over 150 special savings days.
• Special financing for eligible JCPenney purchases, which may mean no interest for six to 30 months.

The JCPenney Credit Card requirements for approval include having a credit score of at least 640 (fair credit), and enough income to make monthly minimum payments. Plus, applicants must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number.

JCPenney Credit Card Review The JCPenney Credit Card has a $0 annual fee and offers an attractive initial bonus, but its ongoing rewards aren't as valuable. Still, it's worth considering if you have fair credit and you like to shop at JCPenney.

J.C. Penney, in full J.C. Penney Corporation, Inc., formerly J.C. Penney Stores Company (1913–24) and J.C. Penney Co. (1924–68), American retail company, founded in 1902 by James Cash Penney and today engaged in marketing apparel, home furnishings, jewelry, cosmetics, and cookware.

If you spend that same $500 or $1,000 at JCPenney on a card that earns 2% cash back, you'd score $10 or $20 back to spend anywhere you like. Note that JCPenney offers both a Mastercard version and a store-only version of its credit card.

Cardholders earn 1 point per dollar spent at JCPenney. Though that's a paltry earning rate, points are worth 5 cents apiece. So you'll actually earn 5% back on JCPenney purchases. If you regularly shop at JCPenney, that's a solid earning rate.

You need a credit score of at least 640 to get the JCPenney Credit Card. That means people with fair credit or better have a shot at getting approved for this card. The JCPenney Mastercard, on the other hand, requires a 700+ credit score (good credit).

Departments inside JCPenney stores include Men's, Women's, Boys', Girls', Baby, Bedding, Home, Fine Jewelry, Shoes, Lingerie, JCPenney Salon, JCPenney Beauty, as well as leased departments such as Seattle's Best Coffee, US Vision optical centers, and Lifetouch portrait studios.

JCPenney started in 1902 as a dry-goods store called the Golden Rule Store. At the time, Penney's business practices were revolutionary. He banned haggling, a common practice at the time, to keep prices low.

You can only use the JCPenney Credit Card at JCPenney stores, JCPenney.com, Sephora stores inside JCPenney locations, and Sephora.com. The JCPenney Mastercard, on the other hand, can be used anywhere Mastercard is accepted. It's worth noting that potential cardholders do not get to choose which card they apply for.

Three Types Of Mastercard: Standard, World And World Elite

• Standard.
• World.
• World Elite.