- Earn 1 point for every $1 of qualifying purchases.
- Save 15% on apparel, shoes, handbags, fine jewelry and home merchandise; save 10% on Modern Bride Diamond Vault, watches, furniture, mattresses, and custom blinds & shades.
- Earn additional JCP Rewards and discounts when you reach Gold or Platinum status with qualifying purchases and points.
- Earn a $10 jcp reward certificates when you spend $100 on qualifying purchases in-store or at jcp.com, with a limit of ten $10 certificates per month.
- Points expire at the end of each calendar month.
|Credit Target||Type||Annual Fee||BT Intro APR||Purchase Intro APR||Regular APR||Rewards|
|Poor Credit, Fair Credit||Personal||$0*||N/A*||N/A*||26.99%*||Store Specific|
This is a Store rewards card, issued by Synchrony Bank. Store reward cards normally offer rebates on specific brand merchandise or purchases. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. APR's may vary among applicants, however the lowest standard APR is 26.99%* Fixed.
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases, according to the offer details.
Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO credit score of 530 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.
FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Synchrony Bank product.
The grace period listed for the JCPenney Card® is at least 23 days*. So interest charges will not be applied for new purchases during this time.
This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.
There were 78 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 78% of those applicants were approved.
The approval rate for this card is moderately high. Furthermore, if your FICO score is close to or higher than 530, then your chance of approval may be even greater.
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved.
Based on community reviews, we found that 85% of 59 users recommend this card.