The most recent change (without any notification) now deducts rewards BEFORE applying coupons, effectively diminishing the value of the rewards. The best way to avoid fees and penalties? She caught the travel bug just after high school when her grandmother took her on a two-week, whirlwind trip around Europe. Erin currently maintains her status as Alex's adventure-seeking partner-in-crime and contributes to Upgraded Points through in-depth content creation & relationship management. The biggest monster you’re battling here is the ridiculously high APR. Email needed if you'd like comment updates. I have a JC Penney MasterCard and I believe we get everything the other card gets plus 1 reward point for every dollar we spend elsewhere. However, you’ll want to remember that this card can only be used at JCPenney (plus jcp.com, Sephora stores inside JCPenney stores, sephora.com, and Rite Aid), unless you get upgraded to the Mastercard version. If you have any query, then please let us know in the comment section below. In-store: A reward certificate is available almost immediately after earning it, and it can be used toward the next transaction anytime thereafter. Online: If you have a valid email address linked to your rewards program account, you will receive your certificate via email. Have failed to get on JCPenney.com to pay my bill. Now you can easily view your balance, pay your bill, and see offers just for JCPenney credit cardholders. Or is a minimum that you have to spend on the card? shipping, delivery or installation charges, and restocking or recycling fees). Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Credit scores aren’t the only factor affecting an applicant’s eligibility for approval, though, as annual income and overall creditworthiness are important, too. I need help accessing bill on line. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The JCPenney Credit Card is issued by Synchrony Bank. They usually take about 24 hours to appear. 5% of the transaction or $10.00 (whichever is higher). I will call again but feel that they will not fix the problem. All Rights Reserved. You should call the number on the back of your card for account inquiries. Previously, JCPenney gave cardholders an avenue to achieve gold/platinum card status (with additional benefits) by hitting certain spending levels. Editorial Disclosure: The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. You can choose to receive electronic reports, add security to authorized users or registered cards, and credit card insurance features can pay for your minimum balance or, in some cases, all possible balances. Open JCPenney Credit Card Application Website and fill in your personal information. In-store, rewards members can present a printed rewards certificate or show the certificate on their mobile app to redeem. **As mentioned earlier, there is no file accessible/available online for the terms and conditions of this card. If you'd like to add a comment to this article and share your valuable feedback and opinions, please click here to leave your comment. Double member reward points (1 point per $1 spent at JCPenney), Receive $10 certificate for every 200 points earned, Exclusive coupons & special savings days. He also reported that the full terms are included when the Mastercard is mailed out to new cardholders. Enjoy great deals on furniture, bedding, window home decor.Find appliances, clothing shoes from your favorite brands. By Mail: If there is not a valid email address on file with your rewards account, the certificate will be sent by U.S. mail, which usually takes about 3-4 weeks after the reward is earned. Contact Jcpenney customer service. Once you reach 200 points, you’ll earn a $10 rewards certificate. JCPenney credit card holders are automatically enrolled in the JCPenney Rewards program upon approval. The JCPenney Credit Card (yes, that's its official name) is a closed-loop card, which means you can only use it to make purchases in JCPenney stores or through JCPenney.com. As far as we know, there is no minimum per-month spend on this card. The JCPenney card can be approved instantly, but in some cases the application may require further review. Lastly, it has been widely noted that JCPenney places a pretty high markup (as much as 30% by some reports) on their inventory in order to make sales more appealing to the consumer. Receive alerts when payment is due or a payment is posted. That was that - she's been gallivanting around the globe ever since (26 countries & counting)! Please consider leaving us a 5-star rating! The customer service rep was also unable to provide any additional information on the terms and conditions of the JCPenney Mastercard over the phone, including added benefits or additional fees (such as cash advance APR/fees and foreign transaction fees). The JCPenney credit card gives instant approval to some applicants who clearly meet the eligibility requirements, but JCPenney does not publicly disclose the exact criteria for earning instant approval. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This one’s pretty self-explanatory, but we go into more detail on earning/redeeming rewards in the in-depth rewards section below. My account #ending in XXXX does work. My credit card dates back to 1975!!! Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. We have eliminated the account numbers in your comment for security purposes. We take your comments very seriously as they really help us to improve the site. It is pretty useful when they offer financing appliances for no interest though. JCPenney has 875 stores across the United States and Puerto Rico where you can buy everything from a new wardrobe or a new refrigerator all financed using the JCPenney credit card offered through Synchrony Bank. I had to spend $200.00 to receive this “gift”. Cardholders should absolutely differentiate between “No Interest” and “No Interest If Paid In Full Within” in the terms and conditions. The reward is applied before discounts so the value is less. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. We are Upgraded Points, a blog specializing in credit card, points, and miles resources. The JCPenney Credit Card requires a credit score of 640 or higher for approval. We love feedback! Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This representative stated he was able to access the terms and conditions within the employee portal, but could not send us the full file over chat at this time. Certain purchases (major appliances, furniture, mattresses, fine jewelry, etc.) Just looking to make a payment? Get unlimited DoorDash deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, Good to Excellent Credit Recommended (670-850). Once a rewards member reaches 200 points, a $10 rewards certificate is issued. Please see our Advertiser Disclosure for more details! Huh??? Rewards points don’t expire as long as the member’s account stays active — meaning the cardholder must make a purchase/earn points at least once in a 12-month period. I actually had a customer service supervisor tell me that I should be grateful for this “gift” that jcpenneys was giving me!!! This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). During the transaction, the rewards certificate will be applied first before any other discounts or coupons. Users can perform all the same tasks within the app that they would in the desktop/web platform: If you’re an avid JCPenney shopper, you could benefit from having this card in your wallet. When using your JCPenney card for purchases at JCPenney or jcp.com, you’ll automatically earn 1 point for every $1 spent (while non-cardholders earn 1 point for every $2 spent) up to the “Point Maximum” of 2,000 points in a single transaction. The JCPenney Credit Card is a great option for anyone looking to earn an easy 5% return shopping at in-store and online with JCPenney. No responsibility will be taken by the bank advertiser for these comments. Pay your JCPenney Card (Synchrony) bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. If a member does not have either option available, they can give their linked phone number or email address at checkout. If you’re an avid JCPenney shopper, it might be. JCPenney has 2 store-branded cards issued by Synchrony Bank: a basic credit card and a Mastercard. That’s absolutely correct. You need fair credit or better to get a JCPenney credit card. It’s also got great rewards. For those of you who love to travel (or simply want to travel more than you do now), consider one of the most popular travel cards out there — the Chase Sapphire Preferred® Card. Can you choose not to use your card for a few months? Earn 2x points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out. JCPenney Credit Card Managing your JCPenney credit card is now easier than ever with our app! We've upgraded our site! Hi Shirley. Sorry you are having trouble paying your bill. To begin, apply for the card at JCPenney’s store in-person or online.Depending on your creditworthiness, you’ll be issued one of two available store-branded credit cards (both issued by Synchrony Bank): the JCPenney Card and JCPenney Mastercard. Have paper bill but it ’ s on your credit reports 36, 48, or 60...., JCPenney gave cardholders an avenue to achieve gold/platinum card status ( with additional benefits ) by hitting certain levels. Click on links and are approved for credit card review sites agree that applicants should be aware. 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