JCPenney cardmembers enjoy extra benefits!

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

35% OFF*

select original, regular and sale-priced apparel, shoes, accessories, fine jewelry, and home

20% OFF*

blinds and shades, housewares, storage and organization, watches, salon products, fragrances, and select JCPenney Beauty

5% OFF*

Electronics and Innovative Gifts, Small Electrics, Modern Bride® Design Your Dream Ring, and Smartwatches

No impact to your credit bureau score.
Already a cardmember?  Manage credit account

JCPenney cardmembers enjoy

  • Shop & Get Rewards Faster

    Earn 2X the rewards points with a JCPenney Credit Card - receive 1 point per dollar spent on qualifying purchases at JCPenney or† (1 point per $2 spent any other way you pay)

  • Special Financing

    Available on qualifying purchases for 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: Subject to credit approval. In US and PR, save an extra 35% on select original, regular, and sale-priced apparel, shoes, accessories, fine jewelry, and home; save 20% on select blinds and shades, housewares, storage and organization, watches, salon products, fragrances, and select JCPenney Beauty; save 5% on select electronics and innovative gifts, small kitchen appliances, Modern Bride® Design Your Dream Ring, and Smartwatches. In the US only, in-store and at save 20% on select furniture and mattresses, and 5% on select Tempur-Pedic Mattresses. In PR stores only, save 20% on select Puerto Rico exclusive cosmetics, and 5% on select Bassett. Each offer good in store or at, excluding taxes, through 11/30/24. Applicants who do not receive a credit decision at the time of their application, but are later approved, will receive an extra 35% off coupon in their credit card package. Offers good upon new JCPenney Credit Card account approval. Full amount of purchase must be on the JCPenney Credit Card or JCPenney Mastercard® to receive account-opening discount. Coupon can be used multiple times within 24 hours after first use when you present this coupon at time of purchase in store or enter your code at

Does not apply to Black Friday Deals, Clearance, Doorbusters, Limited Time Specials, Lowest Prices of the Season, in-store services, service plans, gift cards, closing store purchases, current orders/prior purchases, or in combination with other coupon(s). In Puerto Rico stores, does not apply to Fossil, Michael Kors and Rado Watches, Optical, and Universal Sunglasses in Plaza las Americas. The offers 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. Exclusions are valid as of 12/21/2023, additional exclusions and exceptions may apply, see or store associate for details. REPRODUCTIONS WILL NOT BE ACCEPTED.

†Purchases subject to credit approval. Exclusions apply. The maximum number of points that you can receive in a single purchase transaction at JCPenney Stores or is 2,000 points, regardless of the amount of the qualifying purchase. See JCPenney Rewards Program Description for complete details.

‡Subject to credit approval. Minimum monthly payments required. See store associate or department page for details.

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.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

How do I get a JCPenney card?

You can apply in store or online by visiting our credit card application page.


What bank owns JCPenney credit card?

The JCPenney Credit Card is issued by Synchrony Bank.


Will I need to call to activate my card before I use it?

You may need to call to activate your card. Check the label on your card for activation instructions.


Can I use my account at a JCPenney Store before I receive my card in the mail?

Yes, just bring valid photo identification to the customer service area in any JCPenney Store and they will issue you a temporary card to allow you to purchase that day in the store. Your account will be honored 24 hours after you are approved.


I applied online and was approved. How long until I receive my card?

Once you've been approved for a JCPenney Credit Card online, it will take 7-10 business days to receive your card in the mail. If you don't receive your card within 10 business days, please contact JCPenney Credit Services.


How can I request a credit line increase?

You may request a credit line increase by calling the Customer Service number on your card, or you may login to the JCPenney Online Credit Center to submit a request.


How can I pay my bill?

You may pay your bill by mail, at any JCPenney department store or online through the JCPenney Online Credit Center.