While shopping online or at the store counters, you’re likely to be offered the chance to apply for a credit card. These offers come with initial promotional discounts, ongoing rewards, and the ability to use the card as a great credit-building tool.

Signing up for a credit card is simple but choosing the right card can be difficult. The first thing you need to do is compare your options. You’ll want to choose a card that offers more benefits on your regular purchases. Once you find the right card, visit the store’s website or service counter, and fill out an application.

Below are some credit card options you can check out:

Jcpenney Credit Card

JCPenney offers different card levels that you can upgrade to depending on your yearly purchases. While the standard credit card is free, you’re required to spend $500 or more on merchandise or services at JCPenney using your JCPenney Credit Card, in a calendar year, to earn or maintain the JCPenney Gold Status. For the Platinum Status, you’re required to spend $1,000 or more on merchandise or services.

Benefits Standard Gold Platinum
Earn 2X the rewards points 
Enjoy a special gift on your special day
Bonus events – Get extra earning opportunities
Exclusive member benefits – Special coupons, events, and more
Special financing      
Coupon passbook  
Sephora bonus points    
Platinum appreciation    

How to Sign Up:

You can sign up for the card in-store or online by visiting JCPenney’s credit card application page. A fair credit card score of 640+ is required to apply for the card. There is no annual fee.

Wells Fargo Credit Card

Benefits Wells Fargo Propel American Express® Card   Wells Fargo Visa Signature® Card Wells Fargo Rewards ® Card
20,000 bonus points, provided you spend a minimum of $1,000 in purchases during the first 3 months – a $200 cash redemption value.  
Earn 3x points on: Eating out and ordering in; gas stations, rideshares, and transit; flights, hotels, homestays, and car rentals; popular streaming services.  
Earn 5x rewards points for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months.    
Earn 1x points on other purchases.  
Use the points you earn for up to 5 years.    
Get 50% more value when redeemed for airfare.    
Get the lowest possible intro APR for 15 months from account opening on balance transfers and purchases.    
No annual fee  

How to Sign Up:

Visit the site to apply for the card of your choice and fill out an application form.