App to Apply for a JCPenney Credit Card – Learn How to Download and Use

I have been a regular customer of JCPenney for quite a long time already. The department store chain has quality products, including jewelry, clothing, home decorations, bedding, lingerie, shoes, baby essentials, etc.

To give back to its customers, JCPenney offers credit cards. I can enjoy shopping for more items with a JCPenney credit card without worrying about the payment, as I can pay them later. The credit card also has several deals and discounts to make shopping more enjoyable at JCPenney.

Learn more about the JCPenney Credit Card and its perks below. Learn how to apply for a JCPenney Credit Card by checking the eligibility requirements. Discover also the app that helps me manage my JCPenney Credit Card account.

  • JCPenney Credit Card Features
  • Pros of the JCPenney Credit Card
  • JCPenney Credit Card Fees
  • JCPenney Credit Card Eligibility
  • JCPenney Mobile App
  • JCPenney Credit Card Application via the App
App to Apply for a JCPenney Credit Card - Learn How to Download and Use
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JCPenney Credit Card Features

JCPenney operates in the United States and Puerto Rico, with over 660 stores. This American department store chain offers men, women, babies, boys, girls, shoes, home decorations, bedding, fine jewelry, and lingerie products.

App to Apply for a JCPenney Credit Card - Learn How to Download and Use
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Other stores like salons, portrait studios, and coffee shops can be found inside the department store. I enjoy going to JCPenney as it usually has everything I need in terms of clothing and home products. I eventually became a regular customer of JCPenney.

JCPenney wants its regular customers to enjoy shopping more by offering a credit card. The JCPenney Credit Card has been available since 1959, aiming to help customers purchase products from the department store with the best deals and discounts out there.

The department store chain wants me to reward myself with a JCPenney Credit Card because I can get an extra 15% off for select purchases once I open an account. It is like the welcome bonus of the JCPenney Credit Card.

Other Features of the JCPenney Credit Card

Aside from the welcome bonus, the JCPenney Credit Card offers an extra 5% discount for select merchandise. Interestingly, JCPenney allows me to combine discounts from other coupons besides the discount from the JCPenney Credit Card.

For example, I have a 10% voucher for a product. I can have 15% off of the product in total because of the voucher and the credit card. I like that there is no maximum discount for purchases, which means I can save a lot.

I can earn reward points on the JCPenney Credit Card like any other credit card. These reward points can be redeemed for discounts, vouchers, or payment for other purchases.

Pros of the JCPenney Credit Card

The JCPenney Credit Card acts as a rewards card because I can earn many points for all my purchases at JCPenney. It is important to remember that the JCPenney Credit Card is only acceptable in JCPenney department stores.

App to Apply for a JCPenney Credit Card - Learn How to Download and Use
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The card lets me earn one point per $1 spent with my JCPenney Credit Card. However, I can still earn points if I pay any other way, at one point per $2 spent. In addition, the JCPenney Credit Card awards $10 for every 200 points collected.

It means that I earn $0.05 for each point that I collect. JCPenney allows all cardholders to earn a maximum of 2,000 points on any single purchase. If I intend to buy over $2,000, I usually split it into multiple transactions to maximize the rewards points I can earn.

The additional 5% discount using the JCPenney Credit Card applies to smartwatches, electronics, Tempur-Pedic, and Modern Bride Design Your Dream Ring. There are also limited special offers from time to time.

Rewards Redemption on the JCPenney Credit Card

The JCPenney Credit Card allows me to collect as many points as I can, but I must be wary because JCPenney rewards expire. The reward points are only valid after six months after I earned them. Thus, I always make sure to use the reward points whenever possible to maximize them.

Rewards redemption on JCPenney Credit Card is easy as I can do it online or in-store. When I visit a JCPenney store, I just need to provide my phone number or email address associated with my account to access my available redeemable reward points.

It is also possible to redeem rewards online by signing into my account on JCPenney’s official website. I can view and redeem rewards on the website when I want to purchase something online. JCPenney will automatically deduct the reward points I want to use on the total amount when checking out a product.

JCPenney Credit Card Fees

Since I already had credit cards before, I know the importance of looking into the details and offers of a card before I apply. I had to check its rewards and fees to see if getting a credit card would be worth it.

App to Apply for a JCPenney Credit Card - Learn How to Download and Use
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Below is a list of fees with the JCPenney Credit Card.

  • Annual Fee: $0;
  • Balance Transfer Fee: N/A;
  • Cash Advance Fee: $10 or 5% of each cash advance, whichever is greater;
  • Foreign Purchase Transaction Fee: 3% of each transaction;
  • Regular Annual Percentage Rate: 22.74% variable on purchases;
  • Purchase Intro Annual Percentage Rate: N/A;
  • Card Into Balance Transfer: N/A;
  • Balance Transfer Intro Annual Percentage Rate: N/A;
  • Late Fee: up to $37;
  • Returned Payment: None.

Other Benefits of the JCPenney Credit Card

The JCPenney Credit Card offers more other rewards, so I can enjoy shopping. First, there is a birthday reward. It lets me access many additional discounts and vouchers when I purchase products from JCPenney using my credit card on my birthday.

There are also additional discounts for JCPenney Gold and Platinum members. They will receive a passbook full of coupons to use during shopping for different products in the store.

Moreover, JCPenney launched its Platinum Appreciation program. The said program will allow platinum members to earn bonus points and sale days with an extra 30% off.

JCPenney Credit Card Eligibility

JCPenney did not release anything specific on who can apply for the JCPenney Credit Card. The basic eligibility requirements for other credit cards are US citizenship, a minimum age of 18 years old, a US permanent address, and a stable source of income.

App to Apply for a JCPenney Credit Card - Learn How to Download and Use
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In addition, JCPenney requires a better or fair grade on the credit score. It is advised that having a FICO score of 634 and higher will make the chance of approval be greater. According to reports, the approval rate for JCPenney Credit Card is around 77%.

To make the application process faster, it is advised that applicants check if they pre-qualify. JCPenney just asks for the basic information such as the last four digits of your SSN/TIN, your complete name, and your mobile number.

JCPenney Credit Card Application

There are two ways to apply for a JCPenney Credit Card—online and in-store. JCPenney usually seeks basic information like name, address, salary, and other identification documents. Whether they apply online or in-store, the processing time will still be 7 to 10 business days.

However, the application process can be faster if the interested individual has already checked if they pre-qualify for the credit card through the JCPenney website. The application period can be reduced to two business days.

Based on experience, I applied online, and it immediately showed my status shortly after submitting my requirements for application. Once approved, JCPenney sends the credit cards after one or two weeks.

JCPenney Mobile App

One thing that JCPenney wants its customers is to have a convenient experience shopping and managing our JCPenney Credit Card. Thus, the company decided to launch the JCPenney mobile app in February 2012.

App to Apply for a JCPenney Credit Card - Learn How to Download and Use
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Initially, the JCPenney mobile app was meant for online shopping. Eventually, the app also catered to the credit card services of the company. It allows its users to manage our JCPenney Credit Card accounts at the tips of our fingers.

The JCPenney app is free to be downloaded from the Google Play Store and the Apple App Store. Since I already have an account on the JCPenney official website, I used the same account to log in on the mobile app.

Those who do not have an account yet, need to sign up using an email, account number, and name. The app will then ask them to register a unique user ID and password.

JCPenney Credit Card Account Management on the Mobile App

I like that I can keep track of everything happening on my JCPenney Credit Card with the help of the mobile finance app. The JCPenney app displays all the transactions I made using the app, found on the History option.

Aside from transactions, it is also possible to check my balance. It helps me be reminded of what I need to pay for, especially when it is almost due. The mobile app also allows me to pay my bills.

I mostly use the JCPenney app for reward redemptions because it provides a real-time rewards balance. Then, I can redeem the rewards whenever I check out products from the app.

JCPenney Credit Card Application via the App

JCPenney supports the online applications for JCPenney Credit Card. Interested individuals are not only limited to applying online using the official website of JCPenney. It is also possible to apply through the JCPenney mobile app.

App to Apply for a JCPenney Credit Card - Learn How to Download and Use
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The process is also the same as the official website. Interested individuals need to provide their application requirements and documents. It is also possible to check my pre-qualification on the mobile app.

JCPenney Address and Contact Number

It is advisable to visit any JCPenney store to inquire about its credit card or its official website. JCPenney is headquartered at 1303 Niagara Falls Blvd, Amherst, NY 14226, United States.

For those who would like to ask about the JCPenney credit card application, you can call 800-322-1189.


The JCPenney Credit Card allows customers to enjoy earning reward points and premium perks. These reward points can be redeemed as a discount or payment for every purchase in the JCPenney department store.

Disclaimer: There are risks involved when applying for and using JCPenney Credit Card credit products. Consult its Terms and Conditions page before agreeing to anything.