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Best Credit Card for JCPenney in 2026

We ranked every major cash back credit card by what you actually earn at JCPenney. The top pick earns 5% — here's the full breakdown.

8 cards earning 2%+ at JCPenney · sorted by highest cash back · updated Q1 2026

1
Citi Custom Cash® Card
Citi Custom Cash® Card
Citi
5% auto-detects your top spend category (up to $500/mo) — department stores (MCC 5311) eligible
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #1: Top pick: earns 5% cash back at JCPenney — the highest rate available. No annual fee required.

2
VISA
U.S. Bank Cash+® Visa Signature®
U.S. Bank
5% at department stores (MCC 5311) — eligible U.S. Bank Cash+ category. Covers Macy's, Kohl's, JCPenney, Nordstrom & more (up to $2,000/qtr).
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #2: Top pick: earns 5% cash back at JCPenney — the highest rate available. No annual fee required.

3
VISA
Robinhood Gold Card
Robinhood / Sutton Bank
3% unlimited cash back on all purchases — no categories, no caps. ⚠️ Requires Robinhood Gold subscription ($5/mo). Effective rate is ~3% if you spend $6,000+/yr; otherwise the subscription cost reduces net earnings.
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #3: Solid 3% cash back at JCPenney with no activation needed. No annual fee — easy to hold long-term.

4
Alliant Cashback Visa® Signature Card
Alliant Cashback Visa® Signature Card
Alliant Credit Union
2.5% unlimited cash back on all purchases (Tier 1 member; requires $1,000 avg daily balance in Alliant checking)
Annual fee: No annual fee
2.5%
cash back
Apply Now — Earn 2.5% at This Store →

Why #4: Earns 2.5% on all purchases including JCPenney. A reliable flat-rate card with no hoops to jump through.

5
Citi Double Cash® Card
Citi Double Cash® Card
Citi
2% on everything (1% when you buy + 1% when you pay)
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #5: Earns 2% on all purchases including JCPenney. A reliable flat-rate card with no hoops to jump through.

6
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
Wells Fargo
2% cash rewards on all purchases, no limits
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #6: Earns 2% on all purchases including JCPenney. A reliable flat-rate card with no hoops to jump through.

7
VISA
Fidelity® Rewards Visa Signature®
Fidelity / Elan
2% on all purchases (deposited into Fidelity account)
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #7: Earns 2% on all purchases including JCPenney. A reliable flat-rate card with no hoops to jump through.

8
PayPal Cashback Mastercard®
PayPal Cashback Mastercard®
Synchrony / PayPal
2% cash back on all other purchases
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #8: Earns 2% on all purchases including JCPenney. A reliable flat-rate card with no hoops to jump through.

Frequently Asked Questions

What is the best credit card to use at JCPenney?

The best card at JCPenney right now is the Citi Custom Cash® Card, earning 5% cash back. 5% auto-detects your top spend category (up to $500/mo) — department stores (MCC 5311) eligible

Does any credit card offer more than 2% at JCPenney?

Yes — the Citi Custom Cash® Card at 5%, the U.S. Bank Cash+® Visa Signature® at 5%, the Robinhood Gold Card at 3% all earn above 2% at JCPenney.

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Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.