Choose Your J.C. Penney Card Alternative

Credit Cards for Shopping at J.C. Penney

J.C. Penney is a large retailer in the U.S. that offers its own credit cards to their customers. There is one JCPenney credit card that has three tiers: basic credit card, JCPenney Gold and JCPenney Platinum. The cards are issued by Synchrony Bank.
JCPenneycards can be used online and in-stores only. The cards are not affiliated with any payment network. As a JCPenney credit card cardholder you will be able to qualify for special financing offers and earn rebates at J.C. Penney stores.Even though there are three levels of JCPenney credit card, there is no opportunity to choose which credit card you can get. You simply fill out an online application form and then bank approves you for the basic credit card.

Opt for JCPenney Credit Card Alternatives

J.C. Penney credit cards are not the only credit cards you can use to pay for your purchases at J.C. Penney. In fact you can use any Visa, MasterCard or Discover credit card when you are checking out. And these cards can be as well rewarding as they often come with rewards programs or 0% intro APRs or both. Rewards programs usually allow earning bonus points or cash back on all purchases and are not limited to one particular retailer. As for interest rates, many banks will keep your low introductory rate if you make a late payment, and if you fail to pay off the card balance by the end of the introductory period, ongoing APR will apply to the remaining balance only.

If You Have a Limited Credit History

People with a limited credit history can also get a regular credit card instead of a store credit card. Moreover, we encourage you to apply for a regular credit card issued by a major bank because such cards have fair interest rates, low fees, and additional benefits. The benefits can be rewards, low into APRs, fraud protection, and free access to your FICO credit score. The last feature is most important one because you still need to improve your credit, if you want to get access to credit cards with greater perks.