JCPenney Credit Card Review: Is It Worth It in 2024?

The JCPenney Credit Card, also known as the jcpenney black credit card, jc penny credit card, jcp credit card, or pennys credit card, is a store credit card issued by Synchrony Bank specifically for use at JCPenney stores and the JCPenney website. While it offers some perks for frequent JCPenney shoppers, it has limitations that may not make it suitable for everyone. This review will get into the key features of the card, including rewards, annual fees, interest rates, and other pertinent details to help potential JCPenny cad applicants make an informed decision.

Review of JC Penney Black Card onlinehighlighting the card's key benefits and online account management features


  • No annual fee: This is a major advantage, especially compared to other store cards that often charge annual fees.
  • Welcome bonus: New cardholders receive a 20% off coupon on their first purchase, which can be a nice incentive to try the card.
  • Rewards: Earn 1 point per dollar spent at JCPenney (and 2 points per dollar at select partner stores like Rite Aid). Each point is worth 5 cents, effectively giving you 5% back in rewards on JCPenney purchases. Offering an attractive rewards program known as JC Penny Rewards. Earn points for every purchase made with the card, which can be redeemed for discounts on future purchases.
  • Special financing: Occasionally, JCPenney offers 0% APR financing on larger purchases, such as furniture or appliances.
  • Exclusive savings days: Cardholders get access to special “Extra Savings Days” throughout the year with additional discounts on top of regular sales.
  • Credit Score Requirements: The credit score required for the JC Penney Card (credit score for jcpenney card) is generally considered to be fair to good. This makes it accessible to a wide range of applicants, including those who are building or rebuilding their credit.
  • Flexible payment options: Manage your account and make payments online, by phone, or in-store.


  • Limited rewards: The 5% cashback is only valid at JCPenney, making it less versatile than cards offering wider reward categories.
  • High interest rate: The regular APR is 26.49%, which can be expensive if you carry a balance.
  • Low credit limit: JCPenney credit cards typically have lower credit limits compared to general-purpose cards.
  • Not accepted everywhere: You can only use the card at JCPenney and Rite Aid, limiting its usefulness for everyday purchases.
  • Potential credit score impact: Applying for and using the card can affect your credit score, especially if you miss payments.

Who should consider this card:

  • Frequent JCPenney shoppers: If you shop at JCPenney regularly, the rewards and special offers can be valuable.
  • People building credit: This card can be a good option to start building credit history, but responsible use is crucial.
  • Those seeking occasional financing: If you need occasional financing for larger purchases at JCPenney, this card can be helpful.

Who should avoid this card:

  • Occasional JCPenney shoppers: The limited rewards and store-specific nature make it less appealing for infrequent shoppers.
  • People with poor credit: The high interest rate can make this card risky for those struggling with debt.
  • Those seeking travel rewards or other perks: This card lacks the broader benefits offered by many general-purpose cards.

Synchrony Bank Partnership: The card is issued by Synchrony Bank (jcp synchrony bank), a reputable issuer known for partnering with retail brands to offer credit products. This partnership ensures a reliable and secure credit experience for cardholders.


The JCPenney Credit Card can be a decent option for frequent JCPenney shoppers who can pay their balance in full each month. However, the limited rewards, high interest rate, and store-specific nature make it less suitable for casual shoppers or those seeking broader benefits.

Additional notes:

  • You can find more information about the JCPenney Credit Card, including current APR and fees, on the JCPenney website or Synchrony Bank website.
  • Before applying for any credit card, it’s important to compare offers and consider your individual spending habits and creditworthiness.

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