Apply for a Credit Card for Extra Benefits

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

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15% OFF*

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

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5% OFF*

on Electronics, Small Electrics, Modern Bride® Design Your Dream Ring, Smartwatches, and Tempur-Pedic

APPLY NOW

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 jcpcreditcard.com
*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, salon products, furniture, mattresses, home, and blinds & shades; save 5% on Electronics, Small Electrics, Modern Bride® Design Your Dream Ring, and Smartwatches. In US stores only, save 5% on Tempur-Pedic. Applicants who do not receive a credit decision at the time of their application, but are later approved, will receive an extra 20% off coupon in their credit card package. Each offer good in store and at jcp.com, excluding taxes and shipping charges, through 5/31/21. 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 jcp.com. 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, see jcpenney.com/exclusions or store associate for details. REPRODUCTIONS WILL NOT BE ACCEPTED.

US and PR exclusions: Clearance, 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.
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