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JCPenney Credit Card (Issued by Synchrony Bank)Don't have a card? Save More on JCPenney purchasesGet the most JCPenney Rewards with your JCPenney Credit Card.Everyday OfferExclusive Mastercard® BenefitsEveryday OfferEarn 1.5 CashPass points** for every dollar you spend on qualifying purchases at JCPenney!(200 points = $10 CashPass Reward)Exclusive Mastercard® BenefitsEarn 1% back on purchases everywhere else Mastercard is accepted**(Spend $1,000 = $10 Reward)Get a $10 CashPassfor every 200 points**CashPass Rewards Calculatorfor JCPenney Credit CardmembersEstimated Purchase$ $1 = 1.5 pointson qualifying purchases at JCPenney200 points = $10 CashPassReward issued in $10 incrementsProjected Reward$to your next $10 CashPass RewardEveryday BenefitsEveryday benefits at JCPenney or jcp.comExclusive Mastercard® BenefitsEverywhere else you shop where Mastercard is accepted.Everyday BenefitsEveryday benefits at JCPenney or jcp.comEarn 1.5 CashPass points**for every dollar you spend on qualifying purchases at JCPenney! (200 points = $10 CashPass Reward)Special FinancingOffers available on select purchases with your JCPenney Credit Card‡Zero Fraud LiabilityNo Annual Fee†Bonus Eventsso you can earn CashPass points fasterExclusive Mastercard® BenefitsEverywhere else you shop where Mastercard is accepted.1% back on purchases everywhere else Mastercard is accepted** (Spend $1,000 = $10 CashPass Reward)Mastercard ID Theft Protection™Mastercard Global Services™includes Lost and Stolen Card Reporting and Emergency Card ReplacementMastercard Airport Concierge™Cash access at ATMswhere Mastercard is accepted1Download the JCPenney AppManage your Rewards anywhere, anytime. OFFER DETAILS: Subject to credit approval. In the US and PR, in-store and at jcp.com, extra 35% off select original, regular, and sale-priced apparel, shoes, accessories, fine jewelry, bedding, bath, rugs, and curtain purchases; extra 20% off select home, watches, salon products, fragrances, and select JCPenney Beauty; extra 10% off select electronics, floor care, small kitchen appliances, Modern Bride® Design Your Dream Ring, and Smartwatches; In the US only, in-store and at jcp.com, extra 20% off select furniture and mattresses; In PR stores only, extra 20% off select Puerto Rico exclusive cosmetics. Each offer good in store or at jcp.com, excluding taxes, through 5/31/25. 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. Offers good upon new JCPenney Credit Card account approval. Full amount of purchase must be on the JCPenney Credit Card or JCPenney Mastercard® 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.Does not apply to Black Friday Deals, Clearance, Cyber Deals, Doorbusters, Limited Time Specials, Lowest Prices of the Season, Power Penney, Stearns & Foster, Tempur-Pedic, in-store services, service plans, gift cards, closing store purchases, current orders/prior purchases, or in combination with other coupon(s). In Puerto Rico stores, does not apply to Bassett, Fossil, Michael Kors, Breil and Rado Watches, Optical, and Universal Sunglasses in Plaza las Americas. The offers can be combined with earned JCPenney Rewards. 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.**JCPENNEY REWARDS: JCPenney credit cardmembers are automatically enrolled in JCPenney Rewards and are eligible to earn CashPass Points on purchases made with their JCPenney Credit Card or JCPenney Mastercard® account. For each $1 spent on a qualifying purchase at JCPenney stores or jcp.com using your JCPenney Credit Card or JCPenney Mastercard, you will receive 1.5 JCPenney CashPass Points, up to the point maximum (2,000) per transaction. JCPenney Mastercard® cardmembers earn Reward Points when using their Mastercard Account outside of JCPenney Stores and jcp.com, provided their JCPenney Mastercard Account is open and in good standing. Earn 1 Point for every $5 dollars in net purchases (purchases made by you or an authorized user minus returns and adjustments) everywhere Mastercard is accepted (other than JCPenney Stores and jcp.com). Balance Transfers, Cash Advances, finance charges, and fees do not qualify for points. Amounts are calculated based upon the sum of the prior billing cycle's Mastercard purchases less returns and includes points earned from applicable bonus offers. If you use a different payment method, you will receive 1 point for every $1 spent on a qualifying purchase up to the point maximum. Rewards apply to net card purchases (minus returns). Once you reach 200 points, you will be issued a $10 JCPenney CashPass Reward, redeemable on eligible JCPenney purchases. Your account must be in good standing when the reward points are earned, and reward certificates are issued. For qualifying purchases and exclusions and restrictions that may apply, please see the full . Purchases subject to credit approval.†New Accounts as of 01/01/25: Variable Purchase APR is 33.99%. Variable Penalty APR is 39.99%. Minimum Interest Charge is $2. JCP Mastercard: Variable Cash APR 33.99% and 5% Fee (min $10). Foreign Trans Fee 3%.‡SPECIAL FINANCING: Subject to credit approval. Offer available on qualifying furniture, mattress, jewelry, In-Home Custom Design, window and optical purchases. See store associate or department page on jcp.com for details.1 Subject to credit approval. Transaction fees apply. See the for details.Subject to credit approval. Transaction fees apply. See the Credit Terms and Disclosures for details.The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.The JCPenney Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.Google Play and the Google Play logo are trademarks of Google LLC, Amazon, Kindle, Fire and all related logos are trademarks of Amazon.com, Inc. or its affiliates., If you use a different payment method, you will receive 1 point for every $1 spent on a qualifying purchase up to the point maximum. Rewards apply to net card purchases (minus returns). Once you reach 200 points, you will be issued a $10 JCPenney CashPass Reward, redeemable on eligible JCPenney purchases., Synchrony Account Manager.
Enjoy great deals on furniture, bedding, window home decor.Find appliances, clothing shoes from your favorite brands. FREE shipping at jcp.com!, Pay as Guest lets you make a same-day payment on your Synchrony credit card account in three easy steps. Find your account here and on your sign in page, tap the Pay as Guest button and then:, FDIC-Insured ‐ Backed by the full faith and credit of the U.S. Government, Paying your JCPenney credit card has never been easy through online or in person. You can make a payment, check your balance, make a payment schedule, and more., Pay online for fastest processing or use the automated phone system. Just remember to pay your bill by the due date to avoid late fees. Manage your JCPenney credit account conveniently on the go through their mobile app. Or enroll in Auto Pay to have payments made automatically each month., .