Template Fulfillment

No Interest if Paid in Full Within 24 or 12 Months*

on fine jewelry & watch purchases of $300 or more (after discounts) for 12 months financing or $600 or more (after discounts) for 24 months financing made on a JCPenney Credit Card or JCPenney Mastercard®. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 24 or 12 months. Minimum monthly payments required. Must request at time of purchase. 

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Contact your local store for additional promotional financing offers that may be available.

*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 12/31/24 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.