Apply for a Credit Card for Extra Benefits

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

15% OFF*

on select original, regular and sale-priced apparel, shoes, accessories, fine jewelry, watches, salon products, furniture, mattresses, home, select JCPenney Beauty products, and blinds & shades

5% OFF*

on Electronics, Small Electrics, Modern Bride® Design Your Dream Ring, Smartwatches, and 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
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* A different offer may be available in store. OFFER DETAILS: Subject to credit approval. In US and PR, save an extra 15% on select original, regular and sale-priced apparel, shoes, accessories, fine jewelry, watches, salon products, furniture, mattresses, home, blinds and shades, and select JCPenney Beauty products; save 5% on Electronics, Small Electrics, Modern Bride® Design Your Dream Ring, and Smartwatches. In PR stores only, save 5% on Bassett. In US stores only, save 5% on Tempur-Pedic Mattresses. 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, which cannot be combined with other coupons and discounts. Each offer good in store and at, excluding taxes and shipping charges, through 7/31/22. 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 15% offer 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, see or store associate for details. REPRODUCTIONS WILL NOT BE ACCEPTED.

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 minimum of 2,000 points for a single qualifying purchase. See Rewards program terms for details.

‡Purchases 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.


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.