JCPenney Credit Card Review 2020 | Login & Payments | Credit Card Villa

JCPenney Credit Card

JCPenney Credit Card Review covers JCPenney Login and Payment structure with a FICO Credit Score of 650 – 850. Here is how to Apply.

JCPenney Credit Card Review

JCPenney is a departmental store that has over 800 stores in the United States alone.

The JCPenny MasterCard is issued by Synchrony Bank and qualified cardholders get to enjoys exclusive deals such as 5% cash backs all year and 100 days of savings events for shopping at JCPenney stores.

JCPenney offers credit cards to better simplify shoppers and aid cardholders receive cashbacks and reward points when they shop in-store or online.

As at the time of writing this review, JCPenney has two credit cards which includes:

1. JCPenney Gold Credit Card

2. JCPenney Platinum Credit Card

JCPenney Gold Credit Card

The JCPenney Gold Credit card offers some great benefits as disclosed by their official platform.

However, let’s take a few moment to look at the individual benefits of the Gold MasterCard from JCPenney.

  • You stand to enjoy a $10 worth of rewards when you earn 200 points and above
  • You enjoy a $10 worth Birthday coupons to give yourself a treat on your special day
  • You stand to enjoy some great benefits at special events yearly
  • Your Gold Card from JCPenney comes loaded with coupons and special financings.

You must spend $500 and above within every calendar year to maintain this Gold JCPenney credit Card.

JCPenney Platinum Credit Card

The JCPenney Platinum Credit card offers even greater benefits than the Gold Card.

They both share some key features with some basic differences.

  • You stand to enjoy a $15 worth of rewards when you earn 200 points and above
  • You enjoy a $10 worth Birthday coupons to give yourself a treat on your special day
  • You stand to enjoy 30% off as a Platinum cardholder appreciation bonus during exclusive sale days.
  • Your Platinum Card from JCPenney comes loaded with coupons and special financings that the Gold Cardholders enjoy.

JCPenney Credit Card Benefits

Below are the general benefits that all JCPenney Credit Card holders enjoy either as a Gold or Platinum holder.

  • For every $1 in-store or online purchase you make with JCPenney credit card earns you one points and a minimal purchase exclusion for earning rewards.
  • Cardholders will be instantly sent a $10 which is approximately 5% JCPenney reward certificate within 24 hours which can be used for another purchase at JCPenney once your Credit accounts gets to 200 rewards point balance.
  • Access to unlimited reward points both online and in-store single purchase like; 10 JCPenney rewards certificate that is up to $100 in rewards.
  • JCPenney Credit Card does not expire provided you keep making purchases with it
  • Once your JCPenney rewards membership is very active by gaining points once in 12 month, you have your reward points with you constantly.
  • JCPenney cardholders enjoys exclusive deal offers like; bonus points opportunities, dollar-off coupons and special birthday offer.
  • JCPenney cardholders each year enjoys more than 100 days of exclusive savings deals.

How to Apply for JCPenney Credit Card?

Follow these easy online steps to apply for JCPenney Credit Card. This step applies to both the Gold and Platinum card holders.

  • Visit the JCPenney credit card application webpage here. (Opens in New Tab)
  • Fill-in your personal details including your annual income (indicate if your home is rent or own).
  • Fill-in your Options and read through the Terms and Conditions
  • Hit Apply to submit your application.

How to Activate your JCPenney Cards?

You can Activate and Manage your JC Penney Cards Online or Offline via a phone call.

Both methods will activate your card instantly and gives you direct access to enjoy the bonuses that is included.

Activate Online

  • Visit the JCPenney credit card Login Page here
  • Type in your Login Details as requested and Activate your Account.

Activate on Phone call

  • Call the phone number listed on the label of the card and follow the prompt.
  • Provide the account number on the card (front)
  • Provide your Social Security Number last 4-digits
  • Provide your Date of Birth
  • Provide your mother’s maiden name
  • Hold on for a voice to confirm your JCPenney credit card activation.

How to Login to JCPenney Credit Card?

  • Visit the JCPenney card login page here
  • Enter your User ID
  • Enter your Password
  • Click on the “Secured Login” to Sign In

Need Help? Contact JCPenney Customer Service

For further details and enquiries, you can contact JCPenney Credit Card customer agents on this toll free number 1-800-322-1189.

You can send a mail to: SYNCB, P.O. Box 960090, Orlando, FL 32896-0090