J.C. Penney Credit Card for Shopping Lovers
no annual fee
up to 15% discount and rewards at J.C. Penney
Easy approval process, bad credit is not a problem
Rewards and discounts, tier system for frequent shoppers
- Lots of restrictions- you need to keep your rewards account in good standing (keep shopping), etc.
- Highest APR among all store cards
- Accepted only at J.C. Penney and Sephora, also at CVS, Rite Aid pharmacies.
Not the best card for shopping, and one of the worst to carry a balance on. Can be an option for building one's credit because of the easy approval.
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