*Offer applies to fine jewelry and watch purchases of $300 or more (after discounts) to receive 12 month financing or $600 or more (after discounts) to receive 24 month financing made through 12/31/25 on either a JCPenney Credit Card account or a JCPenney Mastercard account. Qualifying purchases must be on one receipt. Discounts may result in the purchase amount not being satisfied. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not payoff the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and after promo period ends, to the promo balance. New Accounts as of 01/01/25: Variable Purchase APR 33.99%. Variable Penalty APR 39.99%. Min Interest Charge $2. JCP Mastercard: Variable Cash APR 33.99% and 5% Fee (min $10). Foreign Trans Fee 3%. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

The JCPenney Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.