JCPenney Credit Card Alternatives

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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.

CARD for EXCELLENT/GOOD CREDIT
Discover it® Miles
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New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*

Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.

Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.

 
Consumer Rating: 5 / 5
CARD for FAIR/BAD CREDIT
Surge Mastercard®
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All credit types welcome to apply!

Monthly reporting to the three major credit bureaus.

Initial Credit Limit of $500.00!* (subject to available credit).

 
Consumer Rating: 4 / 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
Discover it® - Cashback Match™
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Excellent, Good 0% (14 months) 11.99% – 23.99% Variable $0
Consumer Rating: 5 / 5
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Credit One Bank® Platinum Visa® for Building Credit
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Fair N/A 16.99% - 24.99% Variable $0 - $99
Consumer Rating: 4 / 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. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Discover it® chrome
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Excellent, Good 0% (14 months) 11.99% – 23.99% Variable $0
Consumer Rating: 5 / 5
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
Horizon Gold Credit Card
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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.
Milestone® MasterCard® with Free Choice of Card Image
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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
Credit One Bank® Unsecured Visa® - No Deposit Required
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Fair N/A 16.99% - 24.99% Variable $0 - $99
Consumer Rating: 5 / 5
  • This unsecured card requires no deposit and can help build your credit
  • Receive opportunities for credit line increases, a fee may apply
  • See if you Pre-Qualify in less than 60 seconds
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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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.

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