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%.

Capital One offers four different credit cards in its No Hassle series. All four of the credit cards are for those who have a limited credit history and they offer rewards and other benefits. The cards includes their No Hassle Miles Rewards, the No Hassle Cash Rewards, the No Hassle Points Rewards, and thee Capital One No Hassle Cash Rewards for Young Adults credit cards. 

The Capital One No Hassle Miles Rewards  

The No Hassle Miles Rewards credit card from Capital One has some benefits that may be somewhat hard to find on other cards. It provides benefits such as enabling you to be able to fly on any airline at any time, and to any destination. There also are not any blackout restrictions – or seat restrictions. 

Cardowners are able to use their points toward many options, besides just airline tickets. They can be used to purchase hotel rooms, car rentals, or even anything that you can buy with your Capital One credit card. Besides that, you can also enjoy the unlimited points that you can accumulate and the fact that they do not expire as long as you have the credit card. 

The Capital One No Hassle Cash Rewards  

Capital One’s No Hassle Cash Rewards credit card boasts that it makes it easy to get your cash back. For one thing, they have no minimum amount that is required before you can get your cash. You even have several options as to how you can get it – by check, as a gift card, or as a statement credit. 

Rewards are earned at a rate of two percent of very dollar spent at gas stations and at major grocery stores. All other purchases earn one-percent cash back. You can get your cash when you want or you can set up automatic redemption times. 

You also have no limit on how much cash can be earned, and there is no expiration date, either, as long as the account is good. It is also possible to set up an automatic payment system so that you don’t forget to get your cash. 

Credit card balance transfers are permitted and there is no transfer fee. There also is no annual fee and new purchases are given a 0 percent introductory rate for one year. 

The Capital One No Hassle Points Rewards 

Their third credit card is the Capital One No Hassle Cash Rewards. Like their other No Hassle cards, Capital One also enables cardowners of this card to be able to enjoy no limits on the amount of points that can be earned, and they never expire, either, as long as the account is live. 

Points can be redeemed for merchandise at many popular stores such as Target, Best Buy, and Macys. You can also redeem the points for brand-name merchandise or get gift cards. 

The Capital One No Hassle Cash Rewards for Young Adults  

Young people have a way to start their credit score and earn cash back, too, with the No Hassle Cash Rewards for Young Adults credit card. They can also earn two-percent cash back on gas and groceries at the major stores, and one-percent on all other purchases. 

New purchases receive a zero percent interest rate for ten months. The interest rate on the card and on credit card balance transfers is 19.8 percent, but there are no fees for transfers. There is an annual fee on the card of $39.

The Lowe’s home store wants to make it easy for homeowners and for businesses to be able to make the purchases they need on credit. For this reason, they offer two credit cards, a general Lowe’s Credit Card and a Lowe’s Project Card. Each Lowe’s credit card has special features that is sure to meet the needs of the cardowner. The GE Money Bank issues the credit cards. 

The Lowe’s Credit Card – for General Purchases 

The Lowe’s Credit Card, which the store says is great for everyday purchases, is available in the United States and in Canada. It offers the opportunity to get low monthly payments and extended buying power. This provides buyers with a Lowe’s Visa Credit Card. 

The card comes with no annual fees, but provides extended buying power to cardowners. Special promotions are made through the year, which will give cardowners special savings. It is available in three different styles – the Standard Blue, and there are two different NASCAR styles to choose from. Accounts can also be managed online, allowing a Lowe’s credit card online payment for greater convenience. 

The Lowe’s Credit Card does have a special Introductory Offer. For single receipt purchases that are $299 or more, there is no interest charged if it is paid in full within six months. During that time, minimum payments will be required. Other than that, the card provides no points or cash rewards, and it has a standard interest rate of 22.99 percent APR. 

The Lowe’s Project Card – for Major Purchases 

When you have need of larger purchases, or are a contractor, the store offers the Lowe’s Project Card. This card requires that your first purchase be at least $1,000. 

Once you make a $1,000 purchase, it enables you to open a “Project Window” which will also give you a six-month period of zero percent interest on your purchases. The Window closes at the end of six months and then the regular interest rate takes effect. A new “Project Window” can be opened with another minimum purchase of $1,000, and so on. Only one Project Window can be open at a time. 

The interest rates on the Lowe’s Project Card ranges from 7.99 percent to 17.99 percent. Applicants may be able to qualify for generous credit lines. Low monthly payments are available, and these may be extended to between four to ten years beyond the purchase period. 

How to Apply for a Lowe’s Credit Card 

Applying for a Lowe’s Credit Card is easy. If you are not sure which card to apply for, the Lowe’s Website has a tool online to help you know which one will be the better credit card for your needs. Their Website also lets it be known who will be able to get a card – most everyone with a credit score of at last 618, which they say is about seven out of ten applicants. 

Once you are a Lowe’s Visa credit card owner, you can go to the Lowe’s credit card login and access your credit card information. It will also give you access to the Lowe’s Credit Card customer service.