J.C. Penney Credit Card for Shopping Lovers

Apply for the card on a issuer's secure site Apply Now
at issuer’s secured site
bad credit
intro purchase APR n/aregular APR26.99%
rewards up to 15% discount 1 point/$1

no annual fee

up to 15% discount and rewards at J.C. Penney

Editors Review

Pros

Easy approval process, bad credit is not a problem

Rewards and discounts, tier system for frequent shoppers

Cons

  • 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.

Verdict

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.

 

Last updated: 11/23/2016









SIGN UP TO GET FREE
CREDIT SCORE UPDATES
and
exclusive members-only deals
Follow us
Facebook Twitter Google+