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CardCurator — Rewards Intelligence
Department Stores

Best Credit Card for JCPenney

Compare the top credit cards to maximize your rewards every time you shop at JCPenney.

Choosing the right card for this category can meaningfully boost your overall rewards return on everyday spending.

Top Pick

Best Pick
Blue Cash Everyday Card from American Express card art
American Express Membership Rewards

Blue Cash Everyday Card from American Express

2x
points per dollar
4.0%
effective return
No annual fee
annual fee

2x on U.S. Department Stores (Select)

More Info

More Good Options

  • Bilt Palladium Card card art
    Bilt Rewards
    Bilt Palladium Card
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Department Stores)

    Learn more →
  • Capital One Venture Rewards card art
    Capital One
    Capital One Venture Rewards
    2x
    pts/dollar
    3.7%
    return

    2x base rate (no bonus for Department Stores)

    Learn more →
  • Citi Double Cash card art
    Citi ThankYou Points
    Citi Double Cash
    2x
    pts/dollar
    3.6%
    return

    2x base rate (no bonus for Department Stores)

    Learn more →
  • Chase Freedom Unlimited card art
    Chase Ultimate Rewards
    Chase Freedom Unlimited
    1.5x
    pts/dollar
    3.0%
    return

    1.5x base rate (no bonus for Department Stores)

    Learn more →

Rewards Calculator

$ / month

Enter a monthly spend amount above to see estimated annual rewards per card.

Common Questions

What is the best credit card to use at JCPenney?

The Blue Cash Everyday Card from American Express is currently the top pick at JCPenney, earning 2x points per dollar — an effective 4.0% return. 2x on U.S. Department Stores (Select)

How many points do I earn at JCPenney per dollar spent?

Top cards earn between 1.5x and 2x at JCPenney. Leading options include: Blue Cash Everyday Card from American Express (2x), Bilt Palladium Card (2x), Capital One Venture Rewards (2x).

Does JCPenney count as department stores for credit card rewards?

JCPenney typically falls under the Department Stores category for credit card reward purposes. Cards with a department stores spending bonus will earn an elevated rate here. Choosing the right card for this category can meaningfully boost your overall rewards return on everyday spending.

Is there a no-annual-fee card that earns well at JCPenney?

Yes — the Blue Cash Everyday Card from American Express has no annual fee and earns 2x at JCPenney (4.0% effective return). 2x on U.S. Department Stores (Select)