†New Accounts as of 10/01/24: Variable Purchase APR 34.49%. Variable Penalty APR 39.99%. Min Interest Charge $2. JCP Mastercard: Variable Cash APR 34.49% and 5% Fee (min $10). Foreign Trans Fee 3%
**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 Rewards Program Terms. Purchases subject to credit approval.
SPECIAL FINANCING: Must request at time of purchase. Subject to credit approval. See store associate or jcp.com for details.
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.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
*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.
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 Rewards Program Terms. Purchases subject to credit approval.
SPECIAL FINANCING: Must request at time of purchase. Subject to credit approval. See store associate or jcp.com for details.
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.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
