JCPenney Credit Card

JCPenney Credit Card Review (2020)

Jcpenney Credit Card

What about JCPenney Credit Card? The Card of JCPenney is applicable only at their store where you can get a single point for every dollar you spend. The customers can also obtain several discounts and get offers through the whole year.

JCPenney Credit Card Reward point

For every dollar, you spend you will get one of such point, and you will receive $10 when obtaining 100 points. It is possible to get ten reward certificates each month. If you do not utilize the points, they will expire in the last week of every month.

In that case, you will have to spend one hundred dollars each month to get rewards for purchases. If the total bill adds up to $99, that will not be helpful unless you pay another dollar and make it one hundred. Also, in the same way, $199 will not help unless you make it a two hundred.

The Advantages of JCPenney Credit Card

When you first get the JCPenney credit card, you will get a 20% discount and 10% for watches, mattress, custom blinds, and furniture. You can get two upgrades for the card: Platinum and Gold. It is quite simple to make yourself rank in Gold Credit Card because all you have to do is spend $500 and when you spend $1000, you will become Platinum.

Throughout the year, you can get offers and discounts for custom decorating house products, fine jewelry, window treatments, mattresses, and furniture.

Conclusion of JCPenney Credit Card

Being the owner of the card is only going to be advantageous if you utilize it sensibly. If the annual percentage rate is high, every month’s balance should be clear as fast as possible to have low or zero interests.  Experiencing interest can make your experience with this card a bad one, and you will not be happy with the benefits after that.

You should follow this tip and shop smartly. Whenever you are shopping there, make sure that you can reach $100 because $99 will not help. For the one hundred dollars, you will get a reward so always keep in mind and maximize your shopping.

To help you, here are some things that you should buy from them if you are thinking of making your bill cross one hundred dollars. First of all, try mattresses. If you are in need of a mattress, do not go anywhere else instead buy from JCPenney as that will cost more than $100 earning you a reward point.

Instead of shopping for brands from JCPenney such as Nike, Columbia, Disney, Le Creuset and Hunter Douglas you should look for other things that will be beneficial for you. If you buy shoes, you can easily reach $100 and get four pairs each year will get you $15.