JCPenney Credit Card Alternatives

The customers who are looking for something exclusive will like JCPenney credit cards. The cards give you access to jcp rewards program. You will be able to earn bonus points during the year and even more points with special bonus points events.

JCPenney credit card is issued by GE Capital Retail Bank ("GECRB") and can be used at JCPenney stores (in-stores and online), Sephora, CVS/Pharmacy, and Rite Aid Pharmacy.

BEST for EXCELLENT CREDIT
Barclaycard CashForward™ World MasterCard®
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Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening

Earn unlimited 1.5% cash rewards on every purchase

 
Consumer Rating: 5 / 5
BEST for FAIR CREDIT
Capital One® Platinum Credit Card
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Pay no annual fee

Get access to a higher credit line after making your first 5 monthly payments on time

 
Consumer Rating: 5 / 5

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How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Credit History
Intro APR Purch.
(Intro Period)
APR %
Annual Fee
Apply
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Excellent, Good
0% intro on purchases for 12 months 12.49% - 22.49% (Variable) $0
 
Consumer Rating: 5 / 5
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
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Fair/Bad
N/A See Terms* See Terms*
 
Consumer Rating: 4 / 5
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
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Bad
n/a 0.00% See Terms
 
Consumer Rating: 4 / 5
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
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Excellent/Good
N/A 16.49%, 20.49% or 23.49%* Variable $89 - waived first year
 
Consumer Rating: 5 / 5
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
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Fair
N/A 15.90% - 24.40% Variable $0 - $99
 
Consumer Rating: 5 / 5
  • 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.
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Fair / Good
N/A 23.9% $35 - $99*
 
Consumer Rating: 4 / 5
  • 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
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Fair
N/A 15.90% - 24.40% Variable $0 - $99
 
Consumer Rating: 5 / 5
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
Get Your CARD MATCH
Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • Will Not Affect Your Credit Score
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Check off your current active bank accounts. Don't check anything if you haven't active accounts.
This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

The Brightest JCP Rewards

JCPenney rewards card allows you to earn bonus points and get jcp reward every month. J.C. Penney credit cards have three levels: a card with general rewards, JCPenney Gold credit card, and JCPenney Platinum credit card.

Gold and Platinum status give you access to more benefits and services. You will enjoy special discounts and offers during the year. Plus you will receive $10 or $15 coupons during the year. The Platinum status will also give you the opportunity to take advantage of free shipping events.

To get the gold status you will need to spend $500 or more on merchandise or services using your JCPenney credit card over two or more days in a calendar year.

If you spend $1,000 or more, you will qualify for a Platinum status.

All JCP rewards credit cards offer special promotional financing for furniture, in-home custom decorating, mattresses, and window treatments. Simply use your JCPenney credit card to get the financing.

JCPenney credit card can be a good addition to your credit cards issued by major banks. JCP card is not a Visa or a MasterCard credit card and is accepted at particular retailers. If you shop at JCP and want to be always aware of their deals, apply for JCPenney credit card.

FAQs about JCPenney Credit Cards More FAQs >>

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