Once you’ve been approved for the JCPenney card, the very first benefit you will receive is a discount of up to 15% on your very first purchase made with the card. This offer will allow you to save 15% on select apparel, shoes, accessories, jewelry and other home products or 5% on select major appliances. In addition to this, all cardholders will become members of the JCPenney Rewards program. Cardholders will receive exclusive savings offers throughout the year and they will also have access to special financing offers on qualifying purchases. Although their card isn’t bad there are many regular rewards credit cards that would allow you to earn rewards at the same rate, but redeem your points on a wider range of options.