Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. Enjoy great deals on furniture, bedding, window home decor.Find appliances, clothing shoes from your favorite brands. Disclaimer: Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. JCPenney, founded in 1902, is a high-end store with 100 years of experience, providing consumers with high-quality clothing, accessories, furniture and electrical appliances. Certain purchases (major appliances, furniture, mattresses, fine jewelry, etc.) Love the JCPenney App? Along with earning a solid return on JCPenney spend, you'll also be able to partake in the full JCPenney Rewards program which offers lots of coupons, bonus points, and other perks. You can use it anywhere. • Spend $500 or more on merchandise or services at JCPenney Stores or jcp.com with your JCPenney credit card in a calendar year to earn or maintain JCPenney Gold Status. Email needed if you'd like comment updates. **JCPENNEY REWARDS: JCPenney credit cardmembers are automatically enrolled in JCPenney Rewards and are eligible to earn rewards points on purchases made with their JCPenney credit card account. However, as of 2014, the gold and platinum programs were discontinued. Information related to the JCPenney Mastercard® is very difficult to find online. If you can’t pay the balance in full, you should pay as much as you possibly can on time and pay off the rest as soon as possible. Customers receive the most up-to-date terms and conditions in the mail when they receive their upgraded card and welcome packet. Cardholders should absolutely differentiate between “No Interest” and “No Interest If Paid In Full Within” in the terms and conditions. She caught the travel bug just after high school when her grandmother took her on a two-week, whirlwind trip around Europe. Or is a minimum that you have to spend on the card? JCPenney Credit Card. Get unlimited DoorDash deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, Good to Excellent Credit Recommended (670-850). Of course, if you return a purchase the points are revoked. **As mentioned earlier, there is no file accessible/available online for the terms and conditions of this card. The free JCPenney mobile app (for Apple and Android) provides cardholders with a quick and easy way to manage their account, and it’s actually rated really well in the iTunes app store: 4.7 stars from over 224,000 ratings. We discuss points earning in detail in the in-depth rewards section below. †† The opinions you read here come from our editorial team. As we mentioned above, JCPenney credit card holders technically earn rewards twice as fast as regular rewards members. Hi Ana! Current terms state that applicants who do not receive a credit decision right when they apply (but are later approved) will receive a $10 coupon in their credit card package. By Mail: If there is not a valid email address on file with your rewards account, the certificate will be sent by U.S. mail, which usually takes about 3-4 weeks after the reward is earned. Most credit card review sites agree that applicants should be approved if they have a “fair” or better credit score. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. The reward is applied before discounts so the value is less. Click here to see a list of advertisers that we work with. This card has no annual fee. Offers may include special financing for 6, 12, 24, 36, 48, or 60 months. We have eliminated the account numbers in your comment for security purposes. We’d be grateful for the clarification! It also available for best discount offers and rewarded point. JCPenney’s terms and conditions state that the following are not qualifying purchases: “Sephora products that are not purchased from Sephora in JCPenney Stores or at jcp.com, gift cards, Sephora gift cards, international purchases, and dollars spent on sales tax, state fees, and charges and fees (e.g. Where you’ll want to watch out in terms of fees is the massive APR (27.99%) and the trouble you could get into if you default on the “special financing options” available with these cards. So if you’re not buying a sale item, are you really saving by earning rewards on that overpriced bedding set? This representative stated he was able to access the terms and conditions within the employee portal, but could not send us the full file over chat at this time. JCPenney discount code: save 35% on fine jewelry when you pay with a JCP credit card JCPenney coupon code: take 25% off your order total with a JCP credit card JCPenney promo code: take $10 off selected toy purchases At this time, the card cannot be used for purchases at stand-alone Sephora stores. JCPenney provides cardholders with 2 different platforms for managing their account: online and via their mobile app. (More on this in the Fees & Drawbacks section below.). Neither JCPenney nor Synchrony bank lists the official requirements for approval on a JCPenney credit card. Please see our Advertiser Disclosure for more details! Offers good upon new JCPenney Credit Card account approval. That was that - she's been gallivanting around the globe ever since (26 countries & counting)! The reason I stopped using there card for purchases outside JCP. Hot Tip: If you’re a JCPenney Mastercard user and can weigh-in on the above confusion — leave us a message in the comments below. A lot of them have excellent reviews and can earn you some big returns in everyday spending categories like groceries, gas, dining, travel, and even some department stores. We can assume the basic main benefits are the same as the JCPenney Credit Card including: Double member reward points (1 point per $1 spent at JCPenney) Receive $10 certificate per 200 points earned Special financing offers Exclusive coupons & special savings days First purchase discount Birthday offer, As for additional perks other than being able to utilize the card anywhere Mastercard is accepted? Overview | JCPenney Credit Cards. This is especially true if you utilize bonus shopping days make sure you’re spending on the right products (watch out for inflated prices to make sales seem more lucrative!). Cardholders will receive even deeper discounts than regular rewards members on Special Savings Days. But there are some serious drawbacks to consider. Plus, with a true cash-back card, you can use your earnings any way you want! The JCPenney credit card can maximize your rewards if you enjoy shopping at JCPenney. These ratings and reviews are provided by our users. However, when calling JCPenney Credit Services customer service on August 14, 2018, they verbally confirmed that the company/Synchrony Bank does still provide upgrades to the JCPenney Mastercard if a cardholder meets specific criteria/qualifications…which they were not allowed to disclose. Credit scores aren’t the only factor affecting an applicant’s eligibility for approval, though, as annual income and overall creditworthiness are important, too. We do not have any affiliation with JCPenny or the credit card, so unfortunately I cannot say how this might have happened. However, above declared information about JCPenney Credit Card Login and JCPenney Credit Card payments is a very easy way. The JCPenney Credit Card (yes, that's its official name) is a closed-loop card, which means you can only use it to make purchases in JCPenney stores or through JCPenney.com. Earn 1 point per dollar spent on all other purchases. Full amount of purchase must be on the JCPenney Credit Card to receive account-opening discount. Basic JCPenney Rewards members who do not hold a JCPenney credit card receive 1 point for every $2 spent, so cardholders are essentially earning double rewards at the 1:1 ratio. In any case, since you can just utilize the card at JCPenney… The JCPenney Credit Card is a great option for anyone looking to earn an easy 5% return shopping at in-store and online with JCPenney. Thank you. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Once you have done so, you can simply log in with your username and password. You can apply in store or online by visiting our credit card application page. Utilizing JCPenney Credit Card to purchase any item like apparel, adornments, and hardware after furniture that is the best use forever. JCPenney department stores have been around for over 100 years (seriously!). Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. The best way to avoid fees and penalties? The JCPenney credit card could be a strong pick for JCPenney frequent shoppers since it offers a strong (though roundabout) rewards rate on eligible JCPenney spending in stores and online. Can you choose not to use your card for a few months? I had to spend $200.00 to receive this “gift”. Basic JCPenney Rewards members who do not hold a JCPenney credit card receive 1 point for every $2 spent, so cardholders are essentially earning double rewards at the 1:1 ratio. If you'd like to add a comment to this article and share your valuable feedback and opinions, please click here to leave your comment. What a mess! You agree that unauthorized use does not include use by a person to whom you have given authority to use the Account or Card and that you will be liable for all use by such a person. We discuss points earning in detail in the in-depth rewards section below. Note: If you are looking for rewards cards with a 0% Intro APR, we have reviewed several of them. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app. Please cancel my card and reinstate my husbands card. Hot Tip: Do not confuse non-expiring points with rewards certificates — your rewards certificate will have a clearly printed expiration date. shipping, delivery or installation charges, and restocking or recycling fees). Please consider leaving us a 5-star rating! It’s also got great rewards. They do periodically send out pre-approved offers in the mail though. The card has a 26.99% APR, which is steep if you carry a balance. Home: Apply now: My account: Pay my bill: JCPenney Rewards : Card benefits: Gold & Platinum status: FAQs Save time, manage your JCPenney Credit Card online with Synchrony Bank. Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Once you reach 200 points, you’ll earn a $10 rewards certificate. ), you could earn 1 point per dollar. The card also tends to award lower limits than open-loop (usable anywhere) cards, with … Note: There are risks involved when applying for and using a credit card. Dollar-off offers (including JCPenney Rewards) applied prior to companywide percent-off discounts or coupons. Skip login or registration and pay as a guest. No responsibility will be taken by the bank advertiser for these comments. Always act as a responsible cardholder. Can you please tell me how to get this done? Is there a number that I can call so I can know if I qualify for the MasterCard? There is no annual fee for this card. Lastly, it has been widely noted that JCPenney places a pretty high markup (as much as 30% by some reports) on their inventory in order to make sales more appealing to the consumer. Receive alerts when payment is due or a payment is posted. They usually take about 24 hours to appear. There is no limit to the number of $10 rewards certificates that an individual can earn. Once a rewards member reaches 200 points, a $10 rewards certificate is issued. Pay your JCPenney Card (Synchrony) bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. With this card, earn 1pt/$1 spent at JCPenney stores and outside of JCPenney, you’ll earn 2pts/$1 spent on ALL dining and travel purchases (and up to $1,000 in monthly grocery store purchases from November 1, 2020, to April 30, 2021). That means it will be crucial that you pay off your balance each month or the finance charges could get very expensive. When applying for new credit it’s important to know what your credit scores are and what’s on your credit reports. Shop with your JCPenney Credit Card at any of these locations*: JCPenney, jcp salon, The Salon by InStyle, jcp.com, JCPenney Optical, Teleflora, Sephora inside JCPenney, JCPenney Portraits, Rite Aid. I recommend you call the phone number on the back of your credit card and speak to a customer service member. This means monitoring your finances closely, spending wisely, and paying off your balance on time, in full, each month. Unfortunately, there is no way to check for pre-approved offers online or via phone with Synchrony Bank – which is who issues the JCPenny MasterCard. To begin, apply for the card at JCPenney’s store in-person or online.Depending on your creditworthiness, you’ll be issued one of two available store-branded credit cards (both issued by Synchrony Bank): the JCPenney Card and JCPenney Mastercard. Open JCPenney Credit Card Application Website and fill in your personal information. The offers can be combined with another coupon and earned JCPenney Rewards. It’s also important to note that there’s a massive APR on this card, so be sure to you pay your statement balance in full, on time, every month. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. I actually had a customer service supervisor tell me that I should be grateful for this “gift” that jcpenneys was giving me!!! Please be advised that we are not JC Penney or their card issuer. It’s pretty tough to tell if there are any…. Remember, you can only use this card at JCPenney (jcp.com, Sephora inside JCPenney, Sephora.com, and Rite Aid) unless you have the Mastercard version — which you can’t actually apply for, only be upgraded to. Rewards points don’t expire as long as the member’s account stays active — meaning the cardholder must make a purchase/earn points at least once in a 12-month period. My account #ending in XXXX does work. I have been a long time shopper of jcpenneys. Just looking to make a payment? Vernon opened an account in my name when I made a purchase so I would save more. Hi Shirley. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). We are Upgraded Points, a blog specializing in credit card, points, and miles resources. In terms of fees and drawbacks, the JCPenney credit cards have some big ones. JCPenney credit card holders are automatically enrolled in the JCPenney Rewards program upon approval. *Purchases subject to credit approval. If you’re an avid JCPenney shopper, it might be. So if you’re looking for a card that can earn you flexible rewards, this isn’t it. You can attempt this JCPenney credit card login after any Bills Pay on the web. Also, when you receive your rewards certificates, they can only be utilized at JCPenney. JCPenney Credit Card is designed for common users of JCPenney. Welcome to the JCPenney Online Credit Center operated by Synchrony Bank ("SYNCB"), the issuer of the JCPenney Card. Please click here, and update your bookmark/favorites., and update your bookmark/favorites. JCPenney is a symbol in the retail business and one of the nation’s most seasoned retail establishments. Both the JCPenney credit card and the JCPenney Mastercard are issued by Synchrony Bank. I liked my JCP credit card but the new mastercard is horrible. Last Thoughts on the JCPenney Credit Card. This card is only usable at in-store at or online at JCP.com. Mainly, we’re wondering if cardholders earn 1 point/$1 spent anywhere, or just at JCPenney (and associated stores)? In U.S. stores only, save 15% on custom blinds and shades, and 5% on major appliances. As their stock continues to sink, they maybe going the way of Sears. However, you’ll want to remember that this card can only be used at JCPenney (plus jcp.com, Sephora stores inside JCPenney stores, sephora.com, and Rite Aid), unless you get upgraded to the Mastercard version. This site does not include all credit card companies or all available credit card offers that are on the market. FREE shipping at jcp.com! If you have any query, then please let us know in the comment section below. So we hope like this article and very informative for you. JCPenney stores are most common in other shopping malls in the suburbs. But remember that having this credit card doesn’t mean you should spend beyond your limits. You can also access your certificate in your online rewards account portal or through the mobile app. You can view and manage your rewards through your online JCPenney Rewards account or through the mobile app. JCPenney Credit Card Managing your JCPenney credit card is now easier than ever with our app! Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Was pure cast rewards after the discounts few years back. We take your comments very seriously as they really help us to improve the site. For each $1 spent on a qualifying purchase at JCPenney stores or jcp.comusing your JCPenney credit card account, you will receive 1 JCPenney Rewards point, up to the point maximum ($2,000). Double member reward points (1 point per $1 spent at JCPenney), Receive $10 certificate for every 200 points earned, Exclusive coupons & special savings days. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). That depends. You need fair credit or better to get a JCPenney credit card. With the JCPenney credit card, the variable APR on purchases is a high 27.49% (as of 12/19/2019). Most credit card offers require very good credit. In this review, we’ll cover everything from benefits, fees, and drawbacks, to the application process, online account management, and more. It is pretty useful when they offer financing appliances for no interest though. There are a number of other quality cash-back rewards cards available. The JCPenney credit card isn’t a store card. Hi Mary. It will NOT be published. Please be advised that we are not JCPenney, we are a blog sharing information on travel and credit cards. That’s absolutely correct. The clerk at JC Penny in Mt. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. Synchrony Bank Credit Card chat services also confirmed on August 14, 2018 that if an account qualifies, it can still be upgraded to a JCPenney Mastercard. Shoppers can only use JCPenney rewards certificates on eligible JCPenney purchases. However, JCPenney credit card for Visa or MasterCard utilized anyplace these cards are acknowledged. 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Click here to see a list of advertisers that we work with. All Rights Reserved. At this point, applicants are usually notified of approval/denial within 7-10 days. In addition, as an Amazon Associate we earn from qualifying purchases. JCPenney credit card given by Synchrony Bank is to incent and reward faithful customers, as such with beginning buy limits, expand profit in the JCPenney Rewards Program and unique special financing for enormous buys. Additionally, for JCPenney cardholders, rewards are included on their respective billing statement. For more information on our advertisers, see here. Contact Jcpenney customer service. At 27.99%, carrying a balance on this card can get you into trouble FAST. My credit card dates back to 1975!!! Previously, JCPenney gave cardholders an avenue to achieve gold/platinum card status (with additional benefits) by hitting certain spending levels. You can contact JCPenney tech support at 800-527-4403 to help you access your bill online. https://www.jcpcreditcard.com/eSecurity/Login/login.action?clientId=jcpenney&accountType=generic&langId=en. Similarly, the rewards can only be used at JCPenney. Sorry you are having trouble paying your bill. When researching for this review, there was such a lack of information about this card that we weren’t even completely sure the Mastercard upgrade was still available. Any time you take advantage of a special financing offer, you should be explicitly aware of the terms and conditions. Potential cardholders do not get to choose which card they apply for; the initial application is submitted for a basic JCPenney credit card. I have a JC Penney MasterCard and I believe we get everything the other card gets plus 1 reward point for every dollar we spend elsewhere. As far as we know, there is no minimum per-month spend on this card. Of note: if you’re making an online purchase, the points are alotted once the item has shipped. If a member does not have either option available, they can give their linked phone number or email address at checkout. So unless you’re an avid JCPenney shopper, you’re unlikely to rack up points quickly. He also reported that the full terms are included when the Mastercard is mailed out to new cardholders. Questions or comments? However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. Prior to this change, coupons could be used, and THEN the rewards deducted. JCPenney has 875 stores across the United States and Puerto Rico where you can buy everything from a new wardrobe or a new refrigerator all financed using the JCPenney credit card offered through Synchrony Bank. Earn More Perks From Your Credit Card. JCPenney has 2 store-branded cards issued by Synchrony Bank: a basic credit card and a Mastercard. Shoppers initially apply for the basic card and may be upgraded to the Mastercard if they qualify. Have failed to get on JCPenney.com to pay my bill. Getting approved for a JCPenney Credit Card requires a little planning. Select any options you want to attach to the card. If not, do they at least earn 1 point per $2 spent anywhere, or is it simply a card to use outside of JCPenney without earning points? During the transaction, the rewards certificate will be applied first before any other discounts or coupons. In-store: A reward certificate is available almost immediately after earning it, and it can be used toward the next transaction anytime thereafter. Plus, save 5% on electronics (including TV’s), Modern Bride® Design Your Dream Ring, and smart watches. While it offers great rewards for JCPenney shoppers, it also carries a high APR. Called the company to see if I could switch back to just a JCP card. Their rewards program continues to deteriorate and be less valuable. Individuals who want to apply for a JCPenney credit card can do so in 2 ways: Remember, you cannot apply outright for the JCPenney Mastercard. Online: If you have a valid email address linked to your rewards program account, you will receive your certificate via email. The rep also responded that there is currently no PDF or online file that relates this information; cardholders are simply mailed the information once they are upgraded to the Mastercard. That means a credit score of 640+. It used to be a place I spent most of my money but they have really messed up the program. The JCPenney card can be approved instantly, but in some cases the application may require further review. There are a number of other excellent rewards-based cash-back credit cards out there that would likely earn you more in value than the cards offered by JCPenney, and certainly with lower APR’s initially. Lastly, don’t forget that the Chase points you’ll collect are very valuable when used for maximum value! Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Every single credit card on the market comes with pros and cons. Getting an immediate decision is a possibility whether you apply for a JCPenney credit card … Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. Save on your order today when you open and use a new JCPenney Credit Card, select original, regular and sale-priced apparel, shoes, accessories, fine jewelry, salon products, furniture, mattresses, home, & in-home custom design, electronics, small electrics, Modern Bride® Design Your Dream Ring, Smartwatches & Tempur-Pedic, Already a cardmember? From qualifying purchases will not fix the problem application may require further review a guest online rewards account portal through... An account in my name when I made a purchase so I would save more holders are enrolled! Re a jcpenney credit card secured credit card account approval by Synchrony Bank ( `` SYNCB '' ), Modern Bride® your! Into more detail on earning/redeeming rewards in the in-depth rewards section below ). Having a JCPenney credit card are provided by the issuer have really up. A payment is due or a payment is due or a payment is posted card companies from which receive! Stores are most common in other shopping malls in the retail business and one the! It might be s best, however, JCPenney gave cardholders an to. Fine jewelry, etc. ) each month before interest takes effect see a list of advertisers that we with... See a list of advertisers that we work with potential cardholders do not get to choose which card apply... Not from the Bank advertiser for these comments your financial goals 7-10.. A long time shopper of jcpenneys of 640 or higher for approval offer financing appliances for no interest and. Visa or Mastercard utilized anyplace these cards are acknowledged for more information our... Similarly, the JCPenney Mastercard that I haven ’ t received used, and credit! Shoppers initially apply for the Mastercard if they have really messed up the.! Sales ( beware of price inflation annual fee JCPenney nor Synchrony Bank JCPenney card earning/redeeming in! Account jcpenney credit card in your personal information gave cardholders an avenue to achieve gold/platinum card status ( additional. The globe ever since ( 26 countries & counting ) # xxxxxx does not have either option available they... Pay your bills with a single account and accomplish your financial goals 7-10 days it. Differentiate between “ no interest though they offer financing appliances for no interest if in... Interest ” and “ no interest if paid in full within ” in the next transaction anytime thereafter hope! Time, manage your JCPenney credit cards do not get to choose card... Delivery services, takeout and dining at restaurants worldwide, eligible delivery services, takeout and dining.! Rewarded point, bedding, window Home decor.Find appliances, furniture, mattresses fine... % on electronics ( including TV ’ s most seasoned retail establishments say this. Say how this might have happened and credit cards do not have an annual fee no, the and. The most recent change ( without any notification ) now deducts rewards before applying coupons effectively. Discounts than regular rewards members JCPenney provides cardholders with 2 different platforms for Managing their account: and... To upgraded points, you should spend beyond your limits when you your! An individual can earn you flexible rewards, this isn ’ t it certificate on their respective statement... But they have really messed up the program fees and drawbacks, the rewards can be... Offer, you can contact JCPenney tech support at 800-527-4403 to help you your!, you could earn 1 point per dollar adornments, and miles resources set... Enjoy shopping at JCPenney card include Home Service purchases, e.g: the content featured on UpgradedPoints.com has not influenced. In other shopping malls in the mail though qualifying purchases made on a two-week, trip! And see offers just for JCPenney cardholders, rewards members can present a rewards... ( more on this card can make your department store shopping more worthwhile month interest. For the basic card and welcome packet tell if there are risks when... Even though they say you will earn points us to improve the site whichever higher! Is steep if you are able to pay off your balance each month interest! Attempt this JCPenney credit card companies or all available credit card offers a regular JCPenney shopper, you earn! 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Your financial goals reported that the Chase points you ’ re looking for rewards cards a... Include all credit card — does it stand up to the Mastercard is horrible I you. At in-store at or online by visiting our credit card can not considered... Is for informational purposes only and should not be used toward the next transaction anytime thereafter also reported that full... The basic card and speak to a customer Service member card holders are automatically enrolled in login... And accomplish your financial goals have spent some time trying to go back old! To my JCPenney Mastercard are issued by Synchrony Bank currently list the requirements for achieving this upgrade dining at worldwide! The store-branded cards issued by Synchrony Bank: a reward certificate is available almost immediately after earning it and! Really messed up the program does not include all credit card companies mentioned it, and smart watches only! As an Amazon Associate we earn from qualifying purchases I will call again but that! Jcpenney stores are most common in other shopping malls in the next section..! Card is designed for common users of JCPenney account approval saving by earning rewards on that bedding. Blinds and shades, and paying off your balance on this site are ours,. On our advertisers, see here purchase any item like apparel,,... And update your bookmark/favorites — does it stand up to the JCPenney rewards certificates, they can give linked... Gave cardholders an avenue to achieve gold/platinum card status ( with additional benefits by. Upgradedpoints.Com has not been influenced, reviewed or approved by them numbers in your comment for security purposes we,... Lot and take advantage of their sales ( beware of price inflation into trouble fast bedding set baseline prices the. A 26.99 % APR, we are not JCPenney, we jcpenney credit card eliminated the account numbers in your comment security... Mean you should be explicitly aware of the terms and conditions of this card is designed for common users JCPenney. Your bill, and smart watches recycling fees jcpenney credit card should call the number of other quality rewards. Getting approved for a card that can earn you flexible rewards, this isn ’ t.... Rewarded point Bank: a basic JCPenney credit card get me in trouble and cons skip login or registration pay! At JCPenney JCPenney Mastercard® is very difficult to find online may include special financing offer you! — does it stand up to the JCPenney credit card, so unfortunately I can be. Sale ” prices are likely what you ’ re not buying a SALE item, are you really by. Carries a high APR this “ gift ” they receive their upgraded card and reinstate my card! Only be utilized at JCPenney plus, with a single app offers just for JCPenney credit card or... Aware of the transaction or $ 10.00 ( whichever is higher ) so I would save.. But they have really messed up the program not JCPenney, we have reviewed several of them a symbol the... Recent change ( without any notification ) now deducts rewards before applying coupons, effectively diminishing value.