JCPenney offers two credit card options. Hence, they have the JCPenney Store Card and the JCPenney MasterCard.
Customers can only use this closed-loop credit card at JCPenney locations.
Merchants worldwide accept the MasterCard credit card version.
In this blog, we will give you a summary of this credit card. Thus, we will tell you how to access your account online.
Still, we will show you ways to pay your bill and how to contact customer service.
Before that, it is important to note that Synchrony Bank distributes this credit card through JCPenney.
That being said, let’s begin by giving you a summary of this credit card.
JCP Rewards Card
As a credit card member, you have automatic access to the reward program.
This program offers lots of benefits for both store cards and MasterCard holders.
Hence, you can get a $10 reward for every 200 points earned. Also, you get to earn 2X rewards on limited offers.
That’s not all; you’ll also earn a $10 reward when you spend up to $50. Still, you’ll get a special birthday gift from JCPenney and other bonuses and rewards.
Thus, visit the JCP Reward Page to get more information about the rewards.
JCP Online Banking Login Card
If you’re a JCP store card or MasterCard holder, you may want to read this section closely.
In this part of this article, we will show you how to access your JCP card online.
Thus, you can log into your account and manage your credit card account online.
Hence, follow the steps below to access your JCP card online:
First, open the JCP Login Page using your favorite web browser.
Next, input the user ID and password for your credit card account.
Once you’ve done that, click on the ‘Secure Login’ button to log into your online account.
Forgot My User ID
If you forgot the User ID for your account, select the ‘User ID’ link.
Next, enter your JCP account number and your zip code.
Now, click on the ‘continue’ button and follow the prompts after that to retrieve your User ID.
However, if you don’t have your billing address in the US, open the link below the Zip Code column.
Now, provide your account number and date of birth.
Then, click on the ‘Continue’ button and follow the on-screen guides to retrieve your User ID.
Forgot My Password
To reset your JCP account password, open the Password link below the secure login button.
After that, enter the user ID for your account and the zip code.
Then, select the ‘Continue’ button and follow the prompts after that to reset your password.
But if your billing address is not in the US, open the link below the zip code column.
Then, type in your JCP user ID and the date of birth linked to your account.
Now, select the ‘Continue’ button and follow the on-screen guides to reset your JCP password.
I want to register.
If you don’t have an online account, click on the Register link.
Next, enter your JCP account number and your zip code.
Now, select the ‘continue’ button and follow the on-screen prompts to sign up for an online account.
Hence, if you don’t have your billing address in the US, select the link below the Zip Code column.
Once you’ve done that, type in your account number and date of birth.
Then, click on the ‘Continue’ button and follow the on-screen guides to open an online account.
Apply for a Card.
To apply for a JCP store card or MasterCard, follow the guides below:
- First, open the JCP Card Application Page on a web browser.
- Then, enter your first name, MI, last name, suffix, and street address.
- After that, enter your apt number, your zip code, your city, and your state.
- Now, enter your phone number and your alternate phone number.
- Once you’re done, type in your active email address, SSN/ITIN, and date of birth.
- Finally, enter your annual net income and select the ‘Continue’ button.
After that, follow the prompts on your screen to apply for a JCP Card.
JCP Card Payment Options
There are different ways in which you can pay your JCP bills.
Hence, in this section, we will discuss the different payment options offered by JCP.
Thus, below are ways in which you can pay your bills:
Online Payment
To make a JCP bill payment, visit the JCP Login Page.
Then, input the user ID and password for your credit card account.
After that, click on the ‘Secure Login’ button to log into your online account.
Now, follow the on-screen guides to make a one-time JCP bill payment online.
However, you can also set up Autopay to avoid missing a JCP payment.
Payment by mail
To pay your JCP store card or MasterCard bills via mail, send your check or money order to:
SYNCB
P.O. Box 960090
Orlando, FL, 32896-0090
Payment by phone
To pay your JCP bills over the phone, call customer support at 800-542-0800.
Customer service hours
Monday: 7:00 a.m.–1:00 a.m. EST
Tuesday: 7:00 a.m.–12:00 a.m. EST
Wednesday: 7:00 a.m.–12:00 a.m. EST
Friday: 7:00 a.m.–1:00 a.m. EST
Saturday: 9:00 a.m.–12:00 a.m. EST
Sunday: 9:00 a.m.–1:00 a.m. EST
In-store Payment
To make an in-store payment, present your check or money order to a JCP store.
However, visit the JCP Store locator to locate a department store nearest you.
Customer Support
If you’re a cardholder, you might want to read this section closely.
There are different ways in which you can contact JCP customer support.
Hence, here are ways to contact customer support:
By Phone
To contact customer service by phone, call customer support at 1-800-542-0800.
Hence, for internet support issues, call customer service at 1-800-527-4403.
However, for those in Puerto Rico and the U.S. Virgin Islands, call customer support at 1-800-981-8400.
Thus, for internet support issues, those in Mexico should call 011-800-527-4403.
Customer service hours
Monday: 7:00 a.m.–1:00 a.m. EST
Tuesday: 7:00 a.m.–12:00 a.m. EST
Wednesday: 7:00 a.m.–12:00 a.m. EST
Friday: 7:00 a.m.–1:00 a.m. EST
Saturday: 9:00 a.m.–12:00 a.m. EST
Sunday: 9:00 a.m.–1:00 a.m. EST
By Mail
For general inquiries, send a message to:
- Credit Services
Customer service C/O SYNCB
P.O. Box 965009
Orlando, FL 32896-5009
However, for those in Puerto Rico and the U.S. Virgin Islands, send mail to:
- Credit Services
Customer service C/O SYNCB
P.O. Box 364788
San Juan, PR, 00936-4788
Online
To contact customer service online, visit the JCP Login Page.
Then, input the user ID and password for your credit card account.
After that, click on the ‘Secure Login’ button to log into your online account.
Now, follow the on-screen guides to contact customer service.
Social Media
Below are social media pages that allow you to contact and connect with JCP:
However, to learn more about JCP customer service, visit the Customer Support Page.
JCP card benefits
There are lots of benefits that come with having a JCP card. Hence, as a cardholder, you can earn points and rewards on purchases made with your card.
Customers can earn 1 JCP Rewards point for every $1 they spend on approved purchases at JCP stores or jcp.com.
Hence, if you use a different payment method, you’ll get 1 point for every $2 spent on approved purchases.
However, you can get these rewards up to a maximum of 2,000 points.
Furthermore, you can earn 1 point for every $5 purchase made at any establishment that accepts MasterCard.
JCP Card Application Requirements
To apply for this credit card, you must be at least 18 years of age. Also, you must have a physical U.S. address and a fair or good credit score.
That’s not all; make sure you have proof of your monthly income and SSN or ITIN.
Hence, note that there may be other requirements needed for this credit card.
Yet, you’ll find out these requirements on the credit card application page.
Card APR
The store card has a variable APR of 31.24%, and the MasterCard has a variable APR of 31.24%.
Hence, these credit cards have several financing options with a 0% intro APR for 18–24 months.
Thus, the cash advance APR for both credit cards is a variable APR of 31.24%.
card fees
The JCP Store Card version has no annual fee and charges up to $41 for late payments.
Also, it charges a cash advance fee of 5%, or $10 of the amount of each cash advance.
But note that there is no grace period for cash advances. Hence, interest starts counting immediately.
Card Score Needed
To be eligible for the store card, you need a credit score of at least 640.
If you have a higher credit score, you may qualify for the JCP MasterCard.
Yet, make sure all other factors required for card approval are in place.
JCP Card Credit Limit Increase Request
To request a credit limit increase, call customer support at 1-800-542-0800.
Yet, you can also request a credit limit increase online by logging into your account.
Hence, once you’re in, follow the prompts on your screen to request a credit limit increase.
But, before that, make sure you have a good credit history and a good payment history.
Also, ensure your credit utilization and other factors are in a good state.
Lost or Stolen
To report a lost or stolen credit card, call customer service at 1-800-542-0800.
However, those in Puerto Rico and the U.S. Virgin Islands can call customer support at 1-800-981-8400.
Hence, you can also report a lost or stolen card via mail. Thus, you can send a message to:
- Credit Services
Customer service C/O SYNCB
P.O. Box 965009
Orlando, FL 32896-5009
Thus, those in Puerto Rico and the U.S. Virgin Islands can send mail to:
- Credit Services
Customer service C/O SYNCB
P.O. Box 364788
San Juan, PR, 00936-4788
Hence, note that you can also contact these services to request a credit card replacement.
JCP Card Balance Transfer
Sadly, the JCP Card does not have a balance transfer fee. Hence, this is because this card does not allow balance transfers.
JCP Card Alternatives
If you want to try other credit cards like the JCP card, you may want to check out these credit card options:
First Tech Platinum Rewards MasterCard
Upgrade your Triple Cash Rewards Visa
Card Mobile App
JCP allows you to enjoy online banking by providing an app with mind-blowing features.
Hence, on this mobile app, you can check your balance, pay bills, and view your statements.
Thus, you can download this app on your Android or Apple devices.
To download this app on your Android device, visit the Google Play Store.
However, iOS users can download this app on their Apple devices via the App Store.
Final Words
This is an amazing guide with complete information on all you need to know about the JCP Card.
However, if you’d like to ask us any questions about this card, leave them in the comments.
That being said, thank you for reading, and also make sure to check this blog for other posts.
Reference Links
JCP Store Locator
Frequently Asked Questions (FAQs)
What is the highest credit limit for a JCPenney credit card?
Synchrony Bank did not include any specific credit card credit limit information.
However, based on forum posts and customer reports, the credit limit is about $500 for a start.
Hence, some customers and cardholders report having a credit limit of up to $15,000.
Can I withdraw money from my JCPenney credit card?
Sadly, you cannot get a cash advance with your store card. Therefore, you can only use your store card for purchases at the official stores or and website.
Is it hard to get a JCPenney credit card?
Not really. Getting this toe card is less difficult as it is open to those with fair or good credit scores.
However, if you want to get the MasterCard, you’ll need a good to great credit score for approval.
Where can you use the JCPenney credit card?
You can only use the store card at stores, Jthe official website, Sephora stores, and Sephora.com.
The MasterCard is accepted anywhere MasterCard is accepted.
What kind of card is a JCPenney credit card?
JCPenney has a store card and a MasterCard, both issued by Synchrony Bank.
The store card is a closed-loop credit card that customers can only use at JCPenney locations.
While the MasterCard credit card version can be used anywhere that accepts MasterCard,
