JCPenney Credit Card Review

The JCPenney credit card is a store card that can only be used at JCPenney, JCPenney's online store, and at CVS and RiteAid pharmacies. This limited usage means the card is less useful than other, more generalized credit cards, but if you are a frequent shopper at any or all of these stores, it might prove helpful. As with most store cards, the credit limits tend to be low, while the interest rates tend to be a bit high. You can apply for the card online through a standard application form.

The JCPenney credit card provides a rewards program, but it, too, is limited. Each dollar charged to the card earns you a point toward gift certificates toward JCPenney purchases. Unfortunately, you are limited to one ten dollar certificate each calendar month regardless of overall purchases. In addition, these certificates can only be used to purchase JCPenney merchandise. The program does advertise additional bonus rewards and giveaways, but the details regarding these extras are available only to those who already have a credit card with the company.

The website provided by JCPenney gives you easy access to all aspects of your JCPenney credit card, including quick online payment, automatic billing, statement breakdowns, and information about your reward bonuses. You can also request a replacement card online or request another card for a secondary user. Unfortunately, most questions regarding unreceived payments or incorrect charges are directed to a postal address rather than a phone number or online customer service. This seems cumbersome in this day and age, and might prove frustrating to a customer used to more immediate service. Bills can be paid online or via traditional paper bills, depending on which method you are most comfortable with. If you wish, you can even pay your bill at your local JCPenney store.