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JCPenney Credit Card®
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Directly with Synchrony Bank

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JCPenney Credit Card®

  • Earn 2X the rewards points with a JCPenney Credit Card - receive 1 point per dollar spent on qualifying purchases*
  • 15% OFF* select apparel, shoes, accessories, fine jewelry, salon products, furniture & mattresses, home, and in-home custom design; or save 5% on select electrics/electronics, Modern Bride Design Your Dream Ring, smart watches & Tempur-Pedic
  • Enjoy exclusive offers throughout the year with 100+ special savings days where JCPenney Credit Card members save more.


Credit Needed:
Poor, FairCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 601 and 699 is considered fair credit. 2

Reviews: 59
Rewards: Store
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* N/A* N/A* 25.99%*
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