Apply for a Credit Card for Extra Benefits

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, salon products, furniture & mattresses, home, and in-home custom design




  • 5% OFF*

    select electrics/electronics, Modern Bride Design Your Dream Ring, smart watches & Tempur-Pedic


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 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
go to
* A different offer may be available in store. Offer for new accounts only.  
OFFER DETAILS: Subject to credit approval. In US and PR, save 15% on select apparel, shoes, accessories, fine jewelry, salon products, furniture and mattresses, and home; and save 5% on Electrics/Electronics (including TV’s), Modern Bride® Design Your Dream Ring, and Smart Watches. In US stores only save 15% on In Home Custom Design, and 5% on Tempur-Pedic and Major Appliances. In PR stores only save 15% on cosmetics. Applicants who do not receive a credit decision at the time of their application, but are later approved, will receive a 20% off coupon in their credit card package. Each offer good in store and at, excluding taxes and shipping/handling charges, through 11/30/2020. Offers good upon new JCPenney Credit Card account approval. Full amount of purchase must be on the JCPenney Credit Card 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 The offers can be combined with another coupon and earned JCPenney Rewards. Dollar-off offers (including JCPenney Rewards) applied prior to companywide percent-off discounts or coupons. 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. Additional exclusions and exceptions may apply. REPRODUCTIONS WILL NOT BE ACCEPTED.
US AND PR EXCLUSIONS:Nike, Sephora, In-Store Services, Service Plans, Care Plans, Warranties, Shipping/Handling charges, Closing Store Purchases, Gift Cards, or current orders/prior purchases.
ADDITIONAL PR EXCLUSIONS: Optical, Cosmetics, Gift Wrap & More and Universal Sunglasses.

† Purchases subject to credit approval. Earn JCPenney Rewards points up to a maximum of 2000 points for a single qualifying purchase. See Rewards program terms for details.

‡ Subject to credit approval. Minimum monthly payment required. See department page offers for details.