JCPenney Credit Card – How to Login and Make Payment

Jcpenney Credit Card Login - jcpcredit com

UPDATED: April 14, 2020 – Today we look at the pros and cons of the JCPenney credit card offers and help you choose whether or not they may the best CC’s for your spending habits.

Manage Your Account Online –

You can apply for your CC Here:

The link above also allows you to access your account once you have created it.

To register for your online management profile you will need to enter your CC number, then you can create a user ID and password for yourself.

You will be able to view your account balance and make payments. You will see a section where you can navigate your recent purchases or payment activities and there will also be a link available for you to request an increase to your spending limit if you desire to do so.


You can even go to your web account through or to download your account activity for record keeping purposes.

If for some reason you need to request a replacement or dispute a charge, you will be able to do so through the online management portal. If you move to a new address you can update your information through your online profile as well.


These retail CC’s provide a point for each dollar that is spent. What do the points get you? For every 100 points, you earn an extra ten dollars.

This is a great deal, especially if you’re a person who likes to shop because those rewards will quickly add up. There is also a 0% APR on your balance for the first 36 months.

To add to the rewards, the company sends out exclusive discount codes throughout the year and as an introductory offer, they will give you 20% of your entire 1st purchase with your JCPenney credit card.

An added bonus: It’s not too difficult to be accepted. Even people with low FICO scores still have good luck with acceptance. As an introductory offer, the company even gives you 20% of your entire 1st purchase.


Many of the poor reviews associated with this company’s cards complain about the very high-interest rate of 26.99% APR.

If you are forced to carry a balance for even a short amount of time, the account quickly loses its ability to save with the member discounts because your discounts are being weighed down by the extra cost of interest.

Another common complaint is that if you don’t spend a minimum of one hundred dollars then you won’t qualify for your CC rewards that month.

All of the offers available from this retail company are only valid when used for purchasing goods at their store, in person or online, and do not have the ability to do balance transfers, which is why many people with good or excellent FICO scores are better off with just a cash back card.

Final Thoughts

This offering has some decent saving opportunities but it is not one of the best rewards CC options out there. It’s extremely limiting, though, to only be able to use the card in store and it can be difficult to actually use the limited discounts that are given.

For consumers with a decent FICO score, it makes more sense to get a cash back CC with 0% APR and with a substantial signup bonus that can be used at any store to purchase anything you desire. We suggest you check out our reviews of other CC options before committing.

JC Penny Salon & Optical Services Offered

Among all of the products you can shop at this mega-retail store with your store CC, you can also make the most of your time by scheduling JC Penny Salon or JCPenney Optical appointments.

JCPenney Salon

With a full-service menu that caters to everyone, they can do anything from highlights to sets & twists, all for a reasonable price.

Have you ever left the salon with your dream hairstyle, then been completely unable to recreate it?

At the JCPenney Salon, all of the styling products used are also available for purchase with your JCP credit card, so you can leave looking like the best version of yourself and fully equipped to recreate your new hairdo.

Another convenient pitstop you can make while inside this department store is at JCPenney Optical.

There you can use your vision insurance and store CC for eye exams, new eyeglass frames, or restocking your contact lenses.

You can either shop their hundreds of brand name and designer frames for men, women, and children online or at a store near you.

The company values your time, so for both the salon and JCPenney Optical, you can view available time slots and schedule appointments so you can be efficient with your time.



P.O. Box 965009
Orlando, FL 32896-5009

Login Issues

If you have forgotten your username or password, please visit Reset Your Password for additional help.

NOTE: We are not affiliated with this company, and you should NOT contact us with any sensitive information that is of a personal nature. We are merely a resource that provides information.

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