JCPenney Credit Card - JCPenney Store Credit Card

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The JCPenney credit card is a private label store credit card offered by JCPenney from Synchrony Bank.  The JCPenney credit card provides 5% off for purchases of select major appliances and their modern bride diamond vault and 15% off select apparel, shoes, accessories, fine jewelry, home, and salon departments for the first purchase at upon approval and issuance of the JCPenney credit card.  It’s important to note that as a private label card, JCPenney’s credit card can only be used for purchases at JCPenney.  The credit card discounts are not tied directly to the JCPenney rewards program although the purchases made using the credit card should count towards the rewards program.

JCPenney has a broad array of products which in theory should mean that the JCPenney credit card offers its customers a good way to earn rewards.  However, the discounts mentioned above, although size-able is only for the 1st purchase made online on the same day of the approval.  In addition, given that this is a private label credit card, it can only be used for JCPenney purchases.

JCPenney Store Credit Card Value Rating

Based on our review of the credit card and its terms, we give the JCPenney credit card a POOR value rating.  Although the % savings can is substantial for the 1st purchase upon approval, it requires that the purchase be done online and on the same date of the approval for the credit card.  In addition, there were no consistent discount programs in place for JCPenney credit card holders.  Rather, JCPenney credit card users were given birthday discounts as well as other coupon discounts – these are usually just the very basic benefits of most rewards and credit card programs.  The rewards for being a JCPenney credit card user is one of the worst that we’ve reviewed.

JCPenney Store Credit Card Terms

  • Introductory APR: N/A
  • Ongoing APR: 26.99%
  • Annual Fee: $0
  • Bonus / Rewards: 5% to 15% discount on first purchase from on the day of credit card approval
  • Cash Advance Fee: N/A
  • Late Payment Fee: up to $37
  • Returned Payment Fee: N/A

JCPenney Store Credit Card Login

Your JCPenney credit card login can be accessed by going to the following login page –> JCPenney credit card login.  You will then be able to login to access and manage your credit card there.  In addition, you will be able to make payments online or arrange to pay for the credit card charges in a number of other ways.

JCPenney Store Credit Card Payments

You can pay for your credit card fees directly at any JCPenney location.  In addition, you can also send in your payment to Synchrony Bank via check or pay over the Internet using JCPenney’s credit card login information.

JCPenney Store Credit Card Phone Numbers

Phone numbers for the JCPenney credit card are outlined below.

  • Customer service : 1-800-877-1342

JCPenney Website:

JCPenney Credit Card Information: JCPenney Credit Card Information Overview

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