**Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Any estimated required monthly payments shown in connection with this promotional offer (which may exclude taxes and delivery) should allow you to pay off the promotional purchase within the promo period if (1) you make your payments by the due date each month and (2) this is the only balance on your account during the promo period.  If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances.  Regular account terms apply to non-promo purchases. New Accounts as of 10/01/24: Variable Purchase APR is 34.49%. Variable Penalty APR is 39.99%. Minimum Interest Charge is $2. JCP Mastercard: Variable Cash APR 39.99% and 5% Fee(min $100). Foreign Trans Fee 3%. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

*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 2/1/2025 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 4/30/24: Variable Purchase APR 34.99%. Variable Penalty APR 39.99%. Min Interest Charge $2. JCP Mastercard: Variable Cash APR 34.99% 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.