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