JCPenney Credit Card 2021 Review


The JCPenney credit card, issued by Synchrony Bank, is an in-store card that rewards you for your purchases. You can obtain Gold or Platinum status depending on how much you spend on purchases throughout the year. These classifications give you access additional perks like greater birthday gifts and additional discount days.

While this card may be useful for long-term JCPenney customers, it can only be used in JCPenney stores. Its usefulness in everyday life is severely limited as a result of this.

When compared to ordinary loyalty members, the JCPenney credit card gives more coupons and savings, but it can’t be used outside of JCPenney stores. Choose different options if you want to get a higher return on your money.


  • Increased earnings vs. non-cardholder rewards members
  • Over 150 cardmember specific savings days
  • Special coupons, bonus points and appreciation discounts based on your elite status


  • Only usable at JCPenney stores and on
  • Earn better rewards with a variety of other credit cards
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