JCPenney, also known as JCP, is an American company that runs a chain of department stores across the country. Departments inside JCPenney stores include men’s, women’s, kids, boys, girls, babies, home, jewelry, shoes, lingerie, salon, Sephora stores, etc. Synchrony is an American financial company that provides financial services to its users and to even other companies. JCPenney and Synchrony bank has been in a partnership for more than 20 years. So, all the JCPenney cards are issued by Synchrony bank only using which you earn coupons, bonus rewards, coupon books, and many other benefits depending upon the card you have. If you are here looking to find out what kind of services and benefits you can get from owning a JCPenney card, this article will help you with that. It will help you understand if is there a JCPenney Mastercard or not and what is the minimum credit score for a JCPenney Mastercard. Also, you will get to learn what can you use your JCPenney Mastercard for and how and where can you pay with your JCPenney Mastercard online.
Is There a JCPenney Mastercard?
You will get to know if is there a JCPenney Mastercard and how to pay with your JCPenney Mastercard online further in this article. Keep reading to learn more about it in detail.
Is JCPenney Synchrony Bank?
There’s been a partnership going on between JCPenney and Synchrony for almost more than two decades. All the JCPenney cards are issued by Synchrony Bank and JCPenney is a sponsor. If you purchase a JCPenney card, you can use these cards at any JCPenney and Sephora store to purchase an item and get a lot of rewards based on your card type.
What Bank is JCPenney Credit Card?
The JCPenney credit cards are issued by Synchrony Bank. The JCPenney credit card is a store card that offers rewards based on your spending. Depending on your spending, you can choose between standard, gold, and platinum credit cards which are available with different levels of rewards, bonuses, and coupons. You can only use your JCPenney credit cards at JCPenney offline stores, the JCPenney website, the Sephora website, and Sephora offline store. To get a new JCPenney credit card, you can visit your nearest Synchrony bank or can call the JCPenney credit card customer service for further assistance.
How does the JCPenney Credit Card Work?
The JCPenney credit card works the same as any other credit card. But you can’t use this credit card outside JCPenney and Sephora offline stores and on jcpenney.com and sephora.com. You can just walk into the eligible store, purchase a product, and pay using your credit card to earn some coupons, bonus points, and many other benefits depending on the type of JCPenney credit card you own.
What is the Minimum Credit Score for a JCPenney Card?
The minimum credit score for a JCPenney Mastercard is 640. Your credit score needs to be at least 640, and if you have a credit score less than that, you need to cover up to minimize the difference. You can visit the nearest Synchrony Bank to issue your credit card if you have a credit score greater than 640. You can choose between standard, gold, and platinum credit card depending on your use.
How Do You Check the Balance on Your JCPenney Card?
To check the balance on your JCPenney card, just follow these steps:
1. Visit the JCPenney Log in page on your browser.
2. Enter the User ID and Password and click on SECURE LOGIN.
3. Click on Account Information > My Statement from the account statement list.
4. Select Account Number and year from the drop-down menu list.
5. Select the statement date and click on View.
6. View the statement or click on the Save icon to download. You can also click on the Print icon to print the statement.
Also Read: How to Activate Your Chase Credit Card Online
Can You Pay Your JCPenney Credit Card with a Debit Card?
Yes, you can pay your JCPenney credit card with a debit card. You can use any debit card to pay your credit card bills. You can also use the telephonic service, the mail service, or the mobile app to pay your credit card bills. If you pay your credit card bill on time, you won’t be charged any extra late fee do make sure to pay your bills on time.
Is There a JCPenney Mastercard?
Yes, there is a JCPenney Mastercard. A JCPenney Mastercard you own is issued by Synchrony Bank. You can use your card for shopping at offline JCPenney and Sephora stores. And you can also shop online at jcp.com and Sephora.com or anywhere where they accept Mastercard credit cards. JCPenney does offer other credit cards also which have some very unusual benefits than any other cards. Now, you know for sure that is there a JCPenney Mastercard or not.
What Can You Use Your JCPenney Mastercard for?
JCPenney Mastercard can be used for shopping for products at JCPenney and Sephora offline stores or on the JCPenney and Sephora online shopping websites. If you own a JCPenney Master credit card, you are free to use any place where they accept Mastercard credit cards as this can be at hotels & restaurants, traveling, shopping, and more.
Also Read: Is There Any Green Dot Unlimited Overdraft Limit?
Can a JCPenney Mastercard be Used Anywhere?
No, JCPenney Mastercard can’t be used anywhere. JCPenney Mastercard can only be used at all JCPenney Stores, the JCPenney website, the Sephora website, and where the MasterCard credit cards are accepted. If you ever go out shopping, make sure you go to JCPenney Stores. Because that’s the only place you’ll be able to use your JCPenney Mastercard. And if you are going somewhere else, please do check that they accept MasterCard credit cards.
How Do You Pay with Your JCPenney Mastercard Online?
You can pay with your JCPenney Mastercard online by adding it as the payment method on your desired shopping website or any other website where you frequently make payments. Then, during the payment gateway, you can choose the JCPenney Mastercard and place the order using it.
Which JCPenney Card is Better, Gold or Platinum?
JCPenney gold and platinum card offer almost the same service and benefits. But in comparison, the platinum card has more benefits than gold or any other JCPenney card.
- To maintain your JCP gold card, you need to spend at least $500 yearly or more on merchandise or JCPenney online and offline stores.
- And to maintain your JCP platinum card, you need to spend at least $1000 yearly or more on merchandise or JCPenney online and offline stores.
- JCP gold card holders get benefits like a special birthday gift on your birthday every year, bonus events, coupons or passbook or coupons, and some special financing offers.
- Including all the benefits, JCP platinum cardholder gets extra benefits, which are a platinum appreciation and Sephora bonus points on spending using the card.
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