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Opt for JCPenney Credit Card Alternatives
BEST for EXCELLENT CREDIT:
 0% Intro APR on Balance Transfers and Purchases. No Annual Fee. Great Rewards Programs. 
BEST for FAIR CREDIT:
Find out if you Pre-Qualify without affecting your credit score This unsecured card provides opportunities to raise your credit score Receive opportunities for credit line increases, a fee may apply Credit Cards for Shopping at J.C. Penney
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Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable
Credit Cards for Shopping at J.C. PenneyJ.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 AlternativesJ.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 HistoryPeople 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. FAQAt my local bank there was an advertisement that if one enrolls in Alaska airline credit card and spends $1000 in the first 3 months then a travel companion could fly free. Is this still in effect? Does it apply to international trips and 1st class? Does the flight need to be Alaska airlines/ Virgin airlines? Answer:Currently, the Alaska Airlines credit card has the following offer: “Annual companion fare from $121 ($99, plus taxes and fees from $22) ... I once had the US Airways credit card, then the airlines merged with American Airlines and my card transitioned into the AAdvantage MasterCard with a higher annual fee and without companion pass. I use the card one year and then closed it because I don t fly with American Airline often. Now I am looking for a credit card without an annual fee. What are my options? Answer:You may like one of the regular travel rewards credit cards offered by major banks. Travel rewards credit cards allow earning miles on all ... |
