How to Apply for a JCPenney Credit Card

Learn the fastest way to apply for a JCPenney card.

Avid JCPenney shoppers might want to consider applying for a JCPenney credit card to maximize JCPenney rewards on purchases. You can earn double points for using the card for your JCPenney purchases — one point per $1 spent instead of one point for every $2 spent. Every 200 points on your card earns you a $10 JCPenney discount, and you’ll also receive exclusive JCPenney coupons and special financing offers.

Advice from CardCritics: Why It’s Time To Ditch Your Store Credit Card

Follow these steps to apply for a JCPenney credit card so that you can start enjoying rewards and other benefits from your favorite store.

How to Apply for a JCPenney Card Online

Applying for a JCPenney credit card is easy to do online. Follow these steps to complete your application:

  1. Go to the JCPenney credit card application website.
  2. Provide your personal information. You must also include your annual income and whether you rent or own your home. As long as you’re over age 21, you can include all of your household income, including rental income or income from your spouse.
  3. Select any options you want included with your card. You can elect to receive electronic statements, add an authorized user or sign up for card security, a credit card insurance feature that pays for your minimum balance or potentially your entire balance under certain circumstances.
  4. Click “Continue” to submit your application.
Get Credit Card Perks

You could be instantly approved and receive your card within seven to 10 business days. You can use your account 24 hours after approval if you bring a valid photo ID to the customer service area in any JCPenney store and ask for a temporary card. Some applications take longer to approve, however, and JCPenney will contact you by mail within seven to 10 business days.

Learn These: Tips to Get Your Credit Card Application Approved

How to Apply for a JCPenney Credit Card in the Store

You can visit a JCPenney store and apply in-person with an associate if you prefer. The information you need to submit will be the same. For convenience, use JCPenney’s store locator to find the nearest store. For questions, contact JCPenney’s customer support at 800-542-0800.

JCPenney offers special sign-up bonuses for its card. For example, if you’re approved, you get 15 percent off your purchases that same day. Your credit line depends on the strength of your application, but you can always request increases or decreases later.

Get Credit Card Perks

Tips for Getting Approved for the JCPenney Credit Card

Although you don’t need above-average credit to qualify for the JCPenney store credit card, you do need to keep track of your credit score and the information on your credit report. You can get a free copy of your credit report at

Review your credit report carefully for old information that should be removed or other errors. Contact the credit bureau to find out how to get the information removed or corrected.

You can also pay down your debts, including charge-offs or collections, which can help improve your credit score over time.

How to Make JCPenney Credit Card Payments

JCPenney offers several options for making payments. You can pay at any JCPenney store or online via the JCPenney online credit center. At this time, the online payment service cannot accept recurring payments. Or you can pay by mailing the payment coupon that comes with your statement to:

Get Credit Card Perks

P.O. Box 960090
Orlando, FL 32896-0090

Should You Get a JCPenney Card?

The JCPenney credit card can maximize your rewards if you enjoy shopping at JCPenney. It’s best, however, if you are able to pay off your balance each month before interest takes effect. The card has a 26.99% APR, which is steep if you carry a balance.

Up Next: Pros and Cons of Store Credit Cards

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About the Author

Michael Keenan

Michael Keenan is a writer based in the Kansas City area, specializing in personal finance, taxation, and business topics. He has been writing since 2009 and has been published by Quicken, TurboTax and The Motley Fool.

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