JCPenney Credit Card. ISSUED BY SYNCHRONY BANK
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JCPenney Credit Card


GET AN EXTRA 15% OFF* SELECT PURCHASES MADE TODAY WHEN YOU OPEN & USE YOUR JCPENNEY CREDIT CARD. DISCOUNT MAY BE COMBINED WITH ANOTHER COUPON. 5% OFF* SELECT MERCHANDISE
See if you prequalify with no impact
       to your credit bureau score.

Bring on the benefits!
Cardmembers are automatically enrolled in
JCPenney Rewards—with lots of extra benefits.
GET A $10 REWARD FOR 200 POINTS EARNED + EARN REWARDS 2X FASTER! WITH YOUR JCPENNEY CREDIT CARD GET A $10 REWARD FOR 200 POINTS EARNED + EARN REWARDS 2X FASTER! WITH YOUR JCPENNEY CREDIT CARD
$1 spent at JCPenney = 1 point**
Earn up to 2,000 points on a single purchase.
The higher you go, the better it gets
Earn Gold or Platinum status for even more exclusive benefits!
Gold Status
$10 birthday coupon
passbook of coupons
Platinum Status
$15 birthday coupon
passbook of coupons
bonus points days
platinum appreciation
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JCPenney | optical. TIME IS RUNNING OUT! Use your vision insurance benefits and get 60% OFF YOUR 2ND PAIR. FIND A STORE » Get Details JCPenney | portraits. FREE 8x10 standard print (reg. 14.99) GET COUPON »
  *OFFER DETAILS: Subject to credit approval. In US and PR, save an extra 35% on select original, regular, and sale-priced apparel, shoes, accessories, fine jewelry, and home; save 20% on select blinds and shades, housewares, storage and organization, watches, salon products, fragrances, and select JCPenney Beauty; save 5% on select electronics and innovative gifts, small electrics, Modern Bride® Design Your Dream Ring, and Smartwatches. In the US only, in-store and at jcp.com save 20% on select furniture and mattresses, and 5% on select Tempur-Pedic Mattresses. In PR stores only, save 20% on select Puerto Rico exclusive cosmetics, and 5% on select Bassett. Each offer good in store or at jcp.com, excluding taxes, through 8/31/23. 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 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 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. Exclusions are valid as of 4/1/2023, Additional exclusions and exceptions may apply, see jcpenney.com/exclusions or store associate for details. REPRODUCTIONS WILL NOT BE ACCEPTED. US and PR exclusions: Black Friday Deals, Clearance, Doorbusters, Limited Time Specials, Lowest Prices of the Season, in-store services, service plans, gift cards, closing store purchases, current orders/prior purchases, or in combination with other coupon(s). Additional PR exclusions: Fossil, Michael Kors, and Rado Watches, Optical and Universal Sunglasses in Plaza Las Americas.

**JCPENNEY REWARDS: JCPenney credit cardmembers are automatically enrolled in JCPenney Rewards and are eligible to earn rewards points on purchases made with their JCPenney credit card account. For each $1 spent on a qualifying purchase at JCPenney stores or jcp.com, you will receive 1 JCPenney Rewards point, up to the point maximum (2,000). In addition, JCPenney Mastercard® cardmembers will earn 0.2 points for every dollar in net purchases made on their JCPenney Mastercard everywhere Mastercard is accepted (other than JCPenney Stores and jcp.com), provided their JCPenney Mastercard Account (“Mastercard Account”) is open and in good standing. Rewards apply to net card purchases (minus returns). Once you reach 200 points, you will be issued a $10 JCPenney Rewards certificate, 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 Rewards Program Terms provided with your account agreement (as may be amended) or jcp.com/rewards.

‡JCPENNEY GOLD/PLATINUM CARD LEVEL DETAILS: You must spend $500 or more on merchandise or services at JCPenney Stores or jcp.com with your JCPenney Credit Card in a calendar year to earn or maintain JCPenney Gold Status. Spend $1,000 or more on merchandise or services at JCPenney Stores or jcp.com with your JCPenney Credit Card in a calendar year to earn or maintain JCPenney Platinum Status. For the JCPenney Credit Card, Gold/Platinum Status is determined at the time of your monthly billing statement after meeting purchase threshold; for the JCPenney Mastercard, Gold/Platinum Status is determined within two billing periods of meeting purchase threshold. We reserve the right to change or cancel the JCPenney Gold/Platinum Program or any or all of its benefits at any time without notice. If your account is not in good standing and/or you no longer meet our criteria, you may be ineligible for the JCPenney Gold/Platinum Program and/or unable to take advantage of JCPenney Gold/Platinum Promotions. The JCPenney Gold/Platinum benefits are available only to residents of the 50 states of the US and PR. The JCPenney Gold/Platinum Program is provided by Synchrony Bank.