plcc benefits

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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The JCPenney Credit Card is issued by Synchrony Bank. The Synchrony Bank Privacy Policy governs the use of the JCPenney Credit Card. That privacy policy is different from the privacy policy of J.C.Penney Corporation, Inc. Learn more about Synchrony Bank's privacy policy.

*Offer details: Save 15% on select apparel, shoes, accessories, fine jewelry, salon products, home, furniture and mattresses, custom blinds and shades; Save 5% on major appliances and Modern Bride® Diamond Vault. Offer good on your first purchase at today after approval, excluding taxes and shipping charges. Offer good upon new JCPenney Credit Card account approval. JCPenney Credit Card must be used. Full amount of purchase must be on the JCPenney Credit Card to receive account opening discount. Subject to credit approval. Delivery of major appliances limited to designated zip codes; see Does not apply to Nike, Sephora, In-Store Services, In-Home Services (other than In-Home Custom Window Treatments), Service Plans, Shipping/Handling charges, Closing Store Purchases, Gift Cards, or current orders/prior purchases. Additionally, in Puerto Rico, does not apply to Select Designer Watches, Breil, Fossil, Freelook, Freestyle, Kenneth Cole, Michael Kors, Rado and Skagen Watches, Cosmetics Department, Bassett, Gift Wrap & More, Optical, and Universal Sunglasses in Plaza Las Américas. Offer may not be used in combination with other coupon(s). Offer can be combined with earned JCPenney Rewards. 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.

†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