JCPenney Credit Card

When it comes to haggling on clothes, shoes, furniture, and jewelry, JCPenney is a popular destination. The retailer is known for its wide range of products (including in-store Sephora kiosks), deep discounts, coupons, and generous rewards programs. Members of the rewards program can join at any time, but those who purchase with a JCPenney credit card receive perks and freebies that save a lot of money at checkout.JCPenney-Credit-CardJCPenney, an American distributor, has extended its contract with Synchrony for several years. Synchrony now manages your credit card programs and related services. The partnership between the two companies is expanding. In addition, it resulted in a private label credit card program and a dual JCPenney Mastercard.


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It offers its consumer version of credit cards, the JCPenney Credit Card and the JCPenney Mastercard. The JCPenney credit card and its Mastercard counterpart provide an opportunity to earn shopping rewards. The JCPenney credit card, issued by Synchrony Bank, may be an attractive option for fans of department store credit cards.

Registration Procedure At

If you want to benefit from the card, you must first log in or register, which you can do by following these steps:

  • Click the following link and go to the website
  • On the JCPenney Credit Card login page, click the Login link.
  • Enter your account number and zip code.
  • Please note that if you do not have a U.S. billing address, click the option, enter your birth date and account number, and tap Next.


  • The next step is to create a username and password that you will use to log in once we verify your information.
  • As simple as that, You have created your JCPenney account.
  • Registering your account can take up to three days.

Steps For JCPenney Credit Card Application

Here is a step-by-step guide to completing the online application process:

  • Click this link to visit the JC Penney Credit Card website at with your web browser.
  • Enter your social security number and your cell phone number.
  • If you don’t have a mobile number, click the I don’t have a phone number option.
  • On the next page, enter your information, including your first and last name, zip code, date of birth, email address, and annual income.


  • After filling in all the information requested in the form, click NEXT to continue.
  • Your credit card application will be accepted if you follow the on-screen instructions.
  • You will receive your card within ten business days.

Guide To JCPenney Credit Card Login

After creating an account, you can now log in by following these simple processes:

  • Visit the JCPenney website by typing or clicking the link here: and log in using your browser.
  • After clicking or typing the above link into your browser, the Synchrony Bank JCPenney Credit Card website will take you to the official JCPenney Credit Card login page.
  • Enter your username and password in the JCPenney credit card Login form.
  • Click the Secure Connection link below the Credentials field.

Which Things Do You Need For JCPenney Credit Card Login?

The following may apply for JC Penney credit card login:

  • You may need the electronic devices listed below to log into the JCPenney credit card login portal:
    • Laptops
    • Smartphones
    • Tablets
    • IPads
    • Personal Computers
  • A username and password are required.
  • You must have your JCPenney credit card account number and zip code.
  • Apply for the JCPenney card.
  • Go to the JCPenney Credit Card website ( to log in.
  • Good internet access is essential in your area.
  • For JCPenny Credit Card login, you must have downloaded and installed the JCPenney Shopping & Coupons app on your smartphone, tablet, and iPad.

Troubleshooting Guide If You Are Unable To Login

  • Use this service only if your internet connection is strong.
  • We recommend that you do not share your passwords, as someone could steal them by looking over your shoulder.
  • Caps Lock must remain disabled on the keyboard.
  • If you have a virtual private network, disable it first.
  • Forgot your JCPenney CC login password? You have to restore it yourself.

Reset Your User-ID And Password

The following steps will help you to recover your JCPenney account username or password if you lose it:

  • Click this link to visit the JC Penney Credit Card website at with your web browser.
  • After that, the website will take you directly to the JCPenney credit card login portal.

If You Have Forgotten Your User-Id,

  • Click on the “Username” link that appears under the word “I forgot my username and password.”
  • Type in your account number and zip code and click Next.

JCPenney-Credit-Card-Reset-User ID

  • If your account’s billing address is not in the United States, click the “My account’s billing address is not in the United States” link. Enter your account number. You can enter your birth date instead of the zip code.
  • Press Next and follow the prompts to retrieve your User ID.

If You Have Forgotten Your Password,

  • You can reset your JC Penney credit card account password by visiting
  • In the next step, enter your user I.D. and zip code.
  • After entering your user I.D. and zip code, click Next.
  • Then enter your new password, and you will have the option to save it.

JCPenney Credit Card Payment Modes

Through Online JCPenney Credit Card Payment Login

To make a card payment, follow these simple suggestions below:

  • Visit the JCPenney Online Credit Card Center.
  • Enter the required field. You may need to enter the username and password you created for JCPenney Credit Card Payment Login.
  • Then note the account details.
  • Now click > secure connection option.


  • If you want to pay your bills online, choose the JCPenney Pay My Bill option.
  • Click > Make JCPenney Credit Card Payments.
  • You can also schedule your payments for the date and time you want automatic payments to occur.
  • You have already processed your credit card statement through the JCPenney Credit Card Payment Entry Portal.

Make Your JCPenney Credit Card Payment At The Store

You can present a check, money order, or cash at any JCPenney department store for your JCPenney Bill Pay. To find the nearest JCPenney store, you must visit the online store locator.

JCPenney Credit Card Payment By Mail

Please send a JCPenney Bill Pay check or money order to:


P.O. Box 960090

Orlando, FL 32896-0090

Features Of JCP Credit

It Offers A Range Of Discounts

The best thing about the JCPenney credit card is the variety of discounts. When shopping at JCPenney, you get 15% off selected items using these cards. The card also offers a 5% discount on selected products.

Bonus Events

The company’s cards also offer rewards of $10 for every 200 points earned. A corporate gift awaits you on your birthday. You can also use bonus events to earn points.

Benefits Of JCPenny Card Financing

No Annual Card Fee

An attractive advantage of the JCPenney credit card is that there is no annual fee on the card, which means there are no additional charges to keep the card account open. The lack of annual fees is a must for a credit card because most of us don’t shop at our favorite stores weekly.

Special Financing On Select Purchases

JCPenney credit card users sometimes have access to special financing offers for certain large purchases. For example, you can earn 0% interest on qualifying purchases of furniture or mattresses for 18 months.

Cardholders Can Access Exclusive Savings Days

While bonuses and discounts are easy to quantify for new cardholders, this particular JCPenney credit card benefit is slightly confusing. JCPenney says credit cardholders have access to “over 150 days of credit savings” with exclusive discounts.

Rewards Available At Synchrony Bank JCPenney

Below is a list of rewards available through funding through Synchrony Bank’s JCPenney Cards:

  • For every $1 spent on a qualifying purchase at JCPenney stores or using your JCPenney credit card account, you will earn 1 JCPenney Rewards point, up to the maximum points (2,000).


  • If you use another payment method, earn 1 point for every $2 spent on a qualifying purchase, up to the maximum. When you reach 200 points, you will receive a $10 JCPenney Rewards certificate, which you can redeem for eligible JCPenney purchases.
  • In a calendar year, you must use your JCPenney Credit Card to spend $500 or more on goods or services at JCPenney stores or on to achieve or maintain JCPenney Gold status. Spend $1,000 or more on goods or services.

Customer Service Centre For JCP Cardholders

The JC Penney Card has a customer service center, so customers can contact them if they have any questions. J.C. The most obvious way to get them would be to use the phone number on the back of your credit card. JCPenney Credit Card Customer Service is happy to answer your questions and complaints about the phone. Call on JCPenney Credit Card Number: 1-800-542-0800.

If you have any questions or complaints regarding your JCPenney Mastercard or JCPenney credit card, you can call the JCPenney credit card number at the following times:

  • Monday to Friday: 7:00am – 12:00pm EST
  • Saturday – Sunday: 9:00 am – 12:00 pm EST

If you are a U.S. citizen, please call this number during the times listed above.

  • JCPenney Credit Card Phone Number: 1-800-527-4403 for online support
  • JCPenney Credit Card Phone Number: 1-800-542-0800 for general inquiries

If you prefer to contact JCPenney Credit Card Customer Service by mail, you must use the following address:

JCPenney Credit Services


P.O. Box 965009

Orlando, FL 32896-5009

Official SiteJCPenney Credit Card
CountryUnited States Of America
Mobile Application AvailabilityYes
LanguagesEnglish And Spanish
Managed BySynchrony Bank

JCPenney Mobile App For Cardholders 

JCPenney Stores has launched its mobile App – The shopping & Coupons App. JCPenney buyers and credit card holders can use this App to make purchases, make credit card payments, view bank statements and credit card transactions, etc. The features of the JCPenney – Shopping & Coupons Mobile App are as follows:

  • In addition, customers using the JCPenney app in stores can now perform a simple price check by scanning an item’s barcode directly from their smartphone.
  • The App helps make shopping more convenient while increasing sales and strengthening customer relationships.


  • Save money in our wallets with the help of coupons and bonus-related offers.
  • You can check your financial transactions that take place on JCPenney.
  • With this App, you can view your credit card statement, pay bills and enjoy discounts and rewards.

About JCPenney Store

JCPenney is an American department store chain based in Plano, Texas. They have over 850 locations across the United States, including Puerto Rico. JCPenney stores are usually found in malls and often have other retailers in their stores, like Sephora, Seattle’s Best Coffee, etc.

The company opened in Wyoming, USA, in April 1902, but it doesn’t just operate in the United States of America; It also has its service in Puerto Rico. Plus, there are shopping carts for organizations like Great Jewelry, The Hair Salon by Instyle, and Sephora.JCPenney-Credit-Card-Store

As part of its credit card program, JCPenney offers its JCPenney Credit Card. Synchrony Bank issues this credit card under the JCPenney brand. JCPenney offers rewards credit cards that customers can use online or in-store.

Frequently Asked Questions

Does The JCPenney Credit Card Earn Rewards?

The JCPenney credit card earns rewards, and cardholders receive automatic enrollment for JCPenney rewards. This rewards program allows cardholders to earn reward points on qualifying purchases made with their JCPenney credit card.

When Can You Apply For A Higher Limit?

You get an introductory credit limit once you get a JCPenney credit card. You can request a credit limit increase 30 days after your initial approval. If you do not get a loan increase, you must wait at least 30 days before re-applying for an extension.

Can I Request A Replacement Card Online?

After logging in, go to the eService menu and choose a replacement card. JCPenney will ship your card to the registered address.


If you regularly shop at JCPenney, having this card in your pocket can be beneficial. It is especially true if you use incentive shopping days to ensure you spend your money on the correct items. Cardholders who log into their JCPenny credit card account for the first time must first register to access the web.

This card allows you to get fruitful rewards and discount offers. You can enjoy JCPenney Store benefits through your credit card to make purchases and keep your tips and coupons in your wallet. Please log in first to enjoy the benefits of your JCPenney branded loyalty card.

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