Learn How To Apply for JCPenney Credit Card

Are you a frequent shopper at JCPenney? If so, consider getting a JCPenney Credit Card

This card offers exclusive discounts, special financing options, and other perks that can enhance your shopping experience. 


In this guide, we'll walk you through applying for a JCPenney Credit Card, whether you apply online or in-store.

Why Get a JCPenney Credit Card?

A JCPenney Credit Card offers a range of benefits that can enhance your shopping experience. 

Here are some reasons why you might want to consider getting one:

  • Exclusive Discounts: Cardholders often receive special discounts and offers unavailable to non-cardholders.
  • Special Financing Options: The card may offer unique financing options for large purchases, allowing you to pay over time without interest.
  • Reward Points: Earn points for every dollar spent with the card, which can be redeemed for JCPenney rewards.
  • Birthday Gift: Receive a special gift or discount as a cardholder during your birthday month.
  • Extra Savings Events: Access to exclusive sales and events for cardholders, providing additional savings opportunities.
  • Easy Returns: Enjoy more straightforward returns and exchanges when using your JCPenney Credit Card for purchases.
  • Online Account Management: Manage your account online, making it easy to track your purchases, payments, and rewards.

Learn How To Apply for JCPenney Credit Card

Types of JCPenney Credit Cards 

JCPenney offers two main types of credit cards: the JCPenney Credit Card and the JCPenney Mastercard.

JCPenney Credit Card

  • Exclusively for use at JCPenney stores and on jcp.com, this card offers special financing options and exclusive discounts.

JCPenney Mastercard

  • Accepted anywhere, Mastercard offers the same benefits as the JCPenney Credit Card, plus rewards for non-JCPenney purchases.

How to Apply for the Card

Applying for a JCPenney Credit Card is a simple process that can be done online or in-store. 

Here's how you can apply for the card using both methods:

Online Application Process:

  1. Visit the JCPenney website: Go to the official JCPenney website.
  2. Navigate to the credit card section: Find the section of the website dedicated to credit cards.
  3. Click "Apply Now": Locate and click on the button or link that says "Apply Now."
  4. Fill out the application form: Complete the required fields in the online application form.
  5. Submit application: Click the submit button to send your application to JCPenney.
  6. Wait for a decision: JCPenney will review your application and notify you of their decision via email or mail.

In-Store Application Process:

  1. Visit JCPenney store: Go to a physical JCPenney store near you.
  2. Locate credit card kiosks: Find the kiosk in the store that is designated for credit card applications.
  3. Fill out the application form: Complete the application form provided at the kiosk.
  4. Submit application: Submit your completed application form at the kiosk.
  5. Wait for a decision: JCPenney will review your application and provide you with a decision.

What You Need to Apply

Before applying for a JCPenney Credit Card, ensure you have all the necessary information and documents. Here's what you'll need:

Personal Information:

  • Full name
  • Address
  • Phone number
  • Email address
  • Social Security Number

Financial Information:

  • Annual income
  • Employment status
  • Employer's name and contact information

After Applying

After applying for a JCPenney Credit Card, there are a few steps you'll need to take before you can start using your card. Here's what to expect:

  • Wait for Approval: JCPenney will review your application and notify you of their decision.
  • Receive Your Card: If approved, your JCPenney Credit Card will arrive by mail.
  • Activate Your Card: Activate your card online or by calling a toll-free number.
  • Start Using Your Card: Use your card at JCPenney to earn rewards points.

Learn How To Apply for JCPenney Credit Card

Managing Your JCPenney Credit Card Account

Managing your JCPenney Credit Card account is essential for controlling your finances and maximizing your card benefits. 

Here are essential steps to effectively manage your account:

  • Set Up Online Account Access: Register your card online to view statements, make payments, and manage settings easily.
  • Understand Your Billing Statement: Review your statement monthly to accurately track purchases, payments, and fees.
  • Make Payments Timely: Avoid late fees and interest by making timely payments.
  • Monitor Your Credit Score: Monitor your credit score to understand your financial health and detect unauthorized activity.

Tips for Maximizing Your JCPenney Credit Card Benefits

To make the most of your JCPenney Credit Card, consider these tips to maximize its benefits:

  • Use Coupons and Promotions: Combine card discounts with coupons for additional savings.
  • Shop During Bonus Points Events: Earn extra reward points during special events.
  • Take Advantage of Exclusive Cardholder Offers: Enjoy exclusive discounts and perks available only to cardholders.
  • Pay Off Your Balance in Full: Avoid interest charges by paying your balance in full each month.
  • Use Your Card Wisely: Make purchases that align with your budget and financial goals.
  • Stay Informed: Keep up with JCPenney's promotions and offers to maximize your card benefits.
  • Monitor Your Rewards: Keep track of your rewards points and redeem them for maximum value.

How to Increase Your Credit Limit

To increase your credit limit on your JCPenney Credit Card, follow these steps:

  • Contact Customer Service: Call the JCPenney Credit Card customer service number and request a credit limit increase.
  • Provide Necessary Information: Be prepared to provide your income and employment information for the credit limit increase request.
  • Wait for Review: JCPenney will review your request and notify you of their decision.
  • Use Your Card Responsibly: Demonstrate responsible card usage by making on-time payments and lowering your credit utilization.
  • Monitor Your Credit Score: Maintaining a good credit score can increase your chances of getting a credit limit increase.

How to Contact JCPenney Credit Card Customer Service

If you need to contact JCPenney Credit Card customer service, here are some essential contact details:

  • Toll-Free Number: (800) 322-1189
  • Customer Service: (972) 431-1000
  • Main: (614) 863-8800
  • Accessibility: (888) 879-2641

The Bottomline

Applying for a JCPenney Credit Card can enhance your shopping experience with exclusive discounts, special financing options, and rewards. 

Whether you apply online or in-store, managing your account responsibly can help you maximize your card benefits. 

Apply today and start enjoying the perks of being a JCPenney Credit Card holder.


The information in this article is for educational purposes only and is not financial advice. 

Before applying for a credit card, review the terms, including rates and fees. 

JCPenney and Mastercard are registered trademarks, and this article is not affiliated.