†New Accounts as of 01/01/25: Variable Purchase APR 33.99%. Variable Penalty APR 39.99%. Min Interest Charge $2. JCP Mastercard: Variable Cash APR 33.99% and 5% Fee (min $10). Foreign Trans Fee 3%.
*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 11/30/25. 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 Best Value, Black Friday Deals, Clearance, Cyber Deals, Daily Deal, Doorbusters, Limited Time Specials, Lowest Prices of the Season, Power Penney Deals, Really Big Deal, adidas, ArtCarved Personalized Jewelry, Athletic Shoes, Billabong, Carter's, Caterpillar, Champion, Citizen Quartz Watches, Clarks, Columbia, Dickies, Disney Collection, Dockers, Electronics, e.l.f., FILA,Forever 21,Fragrances and select JCPenney Beauty, Hurley, Jewelry Trunk Shows,Keds, KitchenAid, Lee, Levi's, Modern Bride Design Your Dream Ring, Murad, Nike, Ninja, Olaplex, PUMA, Quiksilver, Reebok, Roxy, RVCA, Shark, Skechers, Smartwatches, Smashbox, Stearns & Foster, Team Sports Merchandise, Tempur-Pedic, Too Faced, Toys, Umbro, Volcom, Wrangler, In-Store Services, Service Plans, Gift Cards, Closing Store Purchases, current orders and prior purchases, or in combination with other coupon(s).In Puerto Rico stores, does not apply to Fossil, Michael Kors, Breil and Rado Watches, Puerto Rico Exclusive Cosmetics, Bassett, Optical, and Universal Sunglasses in Plaza las Americas. Coupon can be combined with earned JCPenney Rewards. Coupon cannot be used for payment on account. Coupon cannot be redeemed as cash or merchandise credit if merchandise is returned. 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.
Does not apply to Best Value, Black Friday Deals, Clearance, Cyber Deals, Daily Deal, Doorbusters, Limited Time Specials, Lowest Prices of the Season, Power Penney Deals, Really Big Deal, adidas, ArtCarved Personalized Jewelry, Athletic Shoes, Billabong, Carter's, Caterpillar, Champion, Citizen Quartz Watches, Clarks, Columbia, Dickies, Disney Collection, Dockers, Electronics, e.l.f., FILA,Forever 21,Fragrances and select JCPenney Beauty, Hurley, Jewelry Trunk Shows,Keds, KitchenAid, Lee, Levi's, Modern Bride Design Your Dream Ring, Murad, Nike, Ninja, Olaplex, PUMA, Quiksilver, Reebok, Roxy, RVCA, Shark, Skechers, Smartwatches, Smashbox, Stearns & Foster, Team Sports Merchandise, Tempur-Pedic, Too Faced, Toys, Umbro, Volcom, Wrangler, In-Store Services, Service Plans, Gift Cards, Closing Store Purchases, current orders and prior purchases, or in combination with other coupon(s).In Puerto Rico stores, does not apply to Fossil, Michael Kors, Breil and Rado Watches, Puerto Rico Exclusive Cosmetics, Bassett, Optical, and Universal Sunglasses in Plaza las Americas. Coupon can be combined with earned JCPenney Rewards. Coupon cannot be used for payment on account. Coupon cannot be redeemed as cash or merchandise credit if merchandise is returned. 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.
