Do I need a JCPenney Credit Card to be eligible for JCPenney rewards? (2024)

Do I need a JCPenney Credit Card to be eligible for JCPenney rewards?

You can also earn CashPass points by paying for qualifying purchases with a credit or debit card (not JCPenney branded), cash, a check, a JCPenney gift card or PayPal but it will not be automatic.

Can I use my JCPenney card without the card?

Yes, just bring valid photo identification to the customer service area in any JCPenney Store and they will issue you a temporary card to allow you to purchase that day in the store. Your account will be honored 24 hours after you are approved. Where can my JCPenney Credit Card be used?

What credit score do you need to get a JCPenney card?

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).

Is my JCPenney card a regular credit card?

The no-annual-fee JCPenney credit card, issued by Synchrony Bank, can come with a tempting introductory offer upon checking out in stores or online, but it may not be the best card for you.

How do I join JCPenney Rewards?

Joining is easy! Just enroll at a JCPenney store with an associate at checkout, at www.jcp.com/rewards or via the JCPenney mobile application with your name, phone number and email address.

How does the JCPenney Rewards work?

Earning JCPenney Rewards

Throughout the year there are special Bonus Rewards promotions, where you can earn even more. For every 200 points you earn, you unlock a $10 JCPenney reward. There is no limit to the number of $10 rewards you can earn, and the points do not expire.

What happens if I don't use my JC JCPenney Credit Card?

It's interest rates are higher than regular cards but all department store rates are higher. They will drop your credit line if non active after one year and close the account after two years of inactivity. Just use it at least once a month.

Can I use my JCPenney card at Walmart?

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.

Can I use my card without my card?

Someone can use a debit card without a physical card at a store through various methods such as online purchases, contactless payments, or mobile wallet apps. For these operations, you only need card information stored electronically or to link the card to a digital payment platform like Apple Pay.

What is the highest credit limit for JCPenney?

The JCPenney Credit Card credit limit is usually around $500 to start, according to forum posts, and some cardholders report limits as high as $15,000. Synchrony Bank does not include any specific JCPenney Credit Card credit limit information in the card's terms, though.

Does JCPenney do a hard credit check?

Yes, the JCPenney Credit Card will do a hard pull on your credit when you apply for it. This might have a short-term negative effect on your credit score. And since there's no way to pre-qualify for this card, you better make sure you have a credit score of at least 640 (fair credit) to be considered eligible.

What bank owns JCPenney Credit Card?

The JCPenney Credit Card is issued by Synchrony Bank.

How often does JCPenney increase credit limits?

How Often the JCPenney Credit Card Increases Your Credit Limit. Automatic: It may be possible to get an increase every six to 12 months. By request: You can request a credit limit increase every 4 months.

What's the difference between JCPenney Credit Card and JCPenney Mastercard?

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.

Is there a fee for a JCPenney Credit Card?

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.

What does JCPenney give you for your birthday?

A $10 JCPenney CashPass Reward (200 points) will be added to your Rewards Program account on your Birthday (requires member provide Birthdate within their JCPenney Rewards account.)

Can I use my JCPenney Rewards at Sephora?

Sadly, the answer is almost always no. However, there a few times a year where JCPenney offers sales or coupons and promo codes that can be used at Sephora inside JCPenney.

How does rewards work?

With most points rewards cards, you earn points by making specific purchases using your card. Issuers typically offer different points rates for different types of purchases. So, you might be able to earn more points per dollar on travel, dining, groceries or other purchase categories.

Where can I find my JCPenney card number?

Gift Card - JCPenney. Find your 19-digit number on the back of the card.

Can I get cash from my JCPenney Credit Card?

The fact that JCPenney Credit Card cash advances are not an option might actually be a blessing in disguise. Cash advances are very expensive, thanks to a cash advance fee and a separate cash advance APR that applies as soon as you withdraw the cash.

What happens if I never use a store credit card?

If you open but never use a store credit card, nothing will most likely happen. However, the issuer could close your card due to inactivity. If you want to be proactive, you can call the phone number listed on the reverse of the card to cancel it yourself.

Should I cancel a store credit card I never use?

Having a "thin" credit card profile (one with few accounts opened), could result in a lower score. Unless you have a strong reason to close your store card, it may be in your best interest to keep it open to avoid hurting your credit score.

Can my husband use my JCPenney Credit Card?

A primary cardholder can make anyone a JCPenney Credit Card authorized user, as long as they are at least 18 years old.

Can I use my JCPenney card at Target?

6. You can only use the card at JCPenney stores and related brands. The JCPenney Credit Card can only be used for in-store purchases, those made through JCP.com, or with partner brands. For example, you can use your card at the JCPenney salon, optical center, or photo studio.

Can I use JCPenney Credit Card at Amazon?

Yes, you can use your JCPenney Mastercard virtually everywhere in the world that accepts credit cards, as this is card is on the Mastercard network.