Save on your order today when you open and use a new JCPenney Credit Card
Open your account online to enjoy these exclusive benefits
Exclusive Savings Day
Enjoy exclusive offers throughout the year with 100+ special savings days where JCPenney Credit Card members save more.
US and PR exclusions: Clearance, Limited Time Specials, Nike, Sephora, In-Store Services, Service Plans, Closing Store Purchases, Gift Cards or current orders/prior purchases.
Additional PR exclusions: Cosmetics, Gift Wrap & More, Optical 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.
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.
What credit score is needed for JCPenney?
You need fair credit or better to get a JCPenney credit card. That means a credit score of 640+.
Is there an annual fee for JCPenney credit card?
There is no annual fee for this card.