JCPenney

This card is built for regular JCPenney shoppers who want a simple way to earn a little more back on store purchases without paying an annual fee. It works best as a store-focused card, not as a primary everyday card for most people.

Annual Fee

Rec. Credit Score

Good

Good For

Frequent JCPenney shoppers

How to Apply Estimate your value

All information about JCPenney has been collected independently by MaxRewards. JCPenney is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the JCPenney worth it?

This card is great for...

JCPenney purchases

No annual fee store card

Occasional everyday purchases

If you shop at JCPenney often, this card is easy to justify. The 5% back in points at JCPenney is the main reason to have it, and the $0 annual fee means you do not need heavy spending to come out ahead.

For most other spending, though, the card is hard to recommend as your go-to option. The 1.2% back everywhere else is only modest, and there are many no-annual-fee cards that offer stronger everyday rewards with more flexible redemption options. This card makes the most sense as a retailer-specific card you pull out at JCPenney, not as the center of your wallet.

MaxRewards Verdict

A good fit for loyal JCPenney customers who want extra value on store purchases at no annual cost. Outside the store, its rewards are not strong enough to make it a standout everyday card.

Earning

Rewards

The rewards setup here is straightforward: the card is most rewarding when you use it at JCPenney, while non-store spending earns at a much lower rate. Think of it as a card for boosting one shopping habit rather than covering all of your spending.

CategoryRate

JCPenney

Everywhere

1.2%

Rewards percent based on a valuation of 1¢ per JCPenney point

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing