JCPenney has been around a long time and people still love to shop there for their favorite things and brands. The department store offers its JCPenney Credit Card in three different forms, which are sure to meet the needs of their customers that want to use a card. 

The JCPenney Credit Card Comes in Three Versions 

Customers of JCPenny’s can get three different store credit cards. They offer the standard JCPenney Credit Card, the JCPenney Privilege Gold and also the JCPenney Privilege Platinum credit cards. Each one has different benefits. 

The Standard JCPenney Credit Card 

The credit card that most people have is the standard JCPenney Credit Card. This basic card provides card owners with the opportunity to get access to special Savings Events that are only for owners of their credit card. Card owners are able to get up to $120 in rewards per year, and they are also able to get an extra 25 percent if they join the JCP Rewards Points Program – which is free to join. They also have access to online account management, get Fraud Protection with zero liability, and the credit card can be used at drug stores such as CVS and Rite Aid. 

As a special Introductory Offer for those who apply for a new JCPenney Credit Card they have opportunity to get a ten percent discount on their first purchase. To make it even better, those who are issued a credit card can get the discount while shopping online. 

The JCPenney Privilege Program 

Those who own the regular JCPenney Credit Card can upgrade to either a JCPenney Privilege Gold or the JCPenney Privilege Platinum Credit Cards. The Privilege Program provides new benefits that regular shoppers are sure to enjoy. Those with the regular card will need to spend either $500 or $1,000 respectively, on two different shopping days in order to qualify. Once they are members of the Privilege program, card owners will be entitled to more privileges, depending on which card they get. Staying in the Privilege Program does require that the above amounts of spending be continued on an annual basis. 

The JCPenney Privilege Gold Credit Card 

The store’s Gold Credit Card offers additional benefits besides the ones already received on the standard card. The new benefits include the JCPenney Privilege Special Savings Certificate(s), the Birthday Reward Certificate, JCPenney Privilege Financing Event(s), and you get to choose your own billing date. Members also get access to a dedicated JCPenney Credit Card customer service number that is toll-free. 

The JCPenney Privilege Platinum Credit Card 

The JCPenney Privilege Platinum Credit Card gives card owners even more power. Besides all the

benefits already mentioned, there are three more that are sure to please. Owners of this card also get protection from ID theft (may not be available in all locations), notification of store events that offer free shipping, and special Financing Events in which an extra three months are added on the normal finance period. 

The JCPenney Credit Card Services 

Once you are approved for a JCPenney Credit Card, you can go to the JCPenney Credit Card login and get access to their online services. Once inside, you can view your record of purchases, get a statement or extra credit card, or you can even pay JCPenney Credit Card bill. 

The best way to save money on your new JCPenney’s credit card – or any other one is to pay the total bill in full each month and to pay it on time. This will enable you to avoid late charges and also interest charges, which are currently at 23.99%.