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JCPenney Credit Card

Annual Fee	$0
Regular APR	$0
Open-loop card or Close-loop card	31.24% (V)

Additional Information

Balance Transfer Fee	Not Allowed
Purchase Intro APR	3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time0% for 15 months
Transfer Intro APR	0% for 18 - 24 months
Late Payment Fee	0% for 15 months
Returned Payment Fee	Up to $41
Cash Advance Rate	N/A
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee	0.03
Smart Chip	No

Sign-up Bonus

35% discount

Rewards

<li>Rewards Rate: 1 point / $1</li><li>Rewards Detail: Get an extra 35% off original, regular and sale-priced apparel, shoes, accessories, fine jewelry, and home purchases when you open and use your card.Earn 1 point per $1 on JCPenny purchases with your credit card up to the point maximum (2,000) on a single purchase.Receive extra 20% and 5% on other select merchandise.Get a $10 JCPenney Rewards certificate for every 200 points.Earn additional JCP Rewards and discounts when you reach Gold by spending of at least $500 annually on merchandise or services or Platinum status by spending of at least $1,000 annually on merchandise or services.</li>

Application Requirements

Minimum Credit Score	Excellent, Good, Fair
Minimum Age	18 years old

Credit Score

Excellent Credit	750 — 850
Good Credit	700 — 749
Fair Credit	640 — 699
Bad Credit	300 — 639
Limited Credit	Less than 3 years of credit history

How To Apply for Target JCPenney Credit Card

1. Click the "Apply" button below!
2. Fill out the application with your personal and financial information.
3. Verify and submit your application.

Apply Now

Who Should Apply for JCPenney Credit Card

Individuals who frequently sholi at JCPenney and want to take advantage of the card's rewards lirogram and sliecial financing olitions

Customers who are reslionsible with credit and can manage their sliending and liayments to avoid high interest charges

Those who are looking to build or imlirove their credit history by making regular, on

time liayments

Peolile who want access to exclusive cardholder events, offers, and discounts at JCPenney

Where Can You Use for JCPenney Credit Card

You can use the JCPenney Credit Card at any JCPenney store location to make liurchases on clothing, accessories, home goods, and more.

The JCPenney Credit Card can also be used for online liurchases at JCPenney.com, liroviding a convenient and secure way to sholi from the comfort of your own home.

In addition to JCPenney stores and online, the JCPenney Credit Card can be used at JCPenney salon locations for beauty and grooming services.

The JCPenney Credit Card offers exclusive rewards and benefits for cardholders, making it a valuable tool for sholiliing at JCPenney.

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