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Save on your order today when you open and use a new JCPenney Credit Card

  • 15% OFF*

    select apparel, shoes, accessories, fine jewelry, home & salon



  • 5% OFF*

    select major appliances and modern bride diamond vault


Already a cardmember?  manage credit account

Open your account online to enjoy these exclusive benefits

  • Shop & Get Rewards Faster

    Earn 2X the rewards points with a JCPenney Credit Card - receive 1 point per dollar spent on qualifying purchases.†

  • Special Financing

    Available on qualifying purchases for major appliances, furniture, mattresses, fine jewelry and more.‡

  • Exclusive Savings Day

    Enjoy exclusive offers throughout the year with 100+ special savings days where JCPenney Credit Card members save more.

Save time, manage your JCPenney Credit Card online with Synchrony Bank

  • View and pay your bill
  • Check your balance and recent activity
  • Receive alerts when payment is due or a payment is posted
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*OFFER DETAILS: Limited time offer. This offer is in lieu of the standard 15% account opening offer. Subject to credit approval. In US and PR, save 15% on select apparel, shoes, accessories, fine jewelry, salon products, and home; and save 5% on Modern Bride Design Your Dream Ring. In US only, save 15% on furniture and mattresses, custom blinds and shades and 5% on major appliances. Delivery of major appliances limited to designated zip codes. See or store associate for details. Offers good upon new JCPenney Credit Card account approval. Full amount of purchase must be on the JCPenney Credit Card to receive account-opening discount. Offer good on your first purchase at today after approval, excluding taxes. Offer may not be used in combination with other coupon(s). Offer can be combined with earned JCPenney Rewards. Dollar-off offers (including JCPenney Rewards) applied prior to companywide percent-off discounts or coupons. Coupon cannot be used for payment on account. Coupon cannot be replaced or redeemed as cash or merchandise credit if merchandise is returned. May not be used for purchases made by cash, Gift Cards, debit cards, American Express, Discover Card or bankcards. No cash value. JCPenney may refuse, or limit the use of, any coupon and/or return for any reason, including reoccurring disruptive behavior. REPRODUCTIONS WILL NOT BE ACCEPTED.


US AND PR EXCLUSIONS: Nike, Sephora, In-Store Services, Home Services (other than In-Home Custom Window Treatments), Service Plans, Shipping/Handling charges, Closing Store Purchases, Gift Cards, or current orders/prior purchases.


ADDITIONAL PR EXCLUSIONS: Gift Wrap & More and Universal Sunglasses.


†Purchases subject to credit approval. See Rewards program terms for details

‡Subject to credit approval. Minimum monthly payment required. See department page for more details