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Card0/4 on file
Annual fee: issuer restricts access
Synchrony Bank / Synchrony Financial · Card

JCPenney Credit Card

Rewards

The JCPenney Credit Card is a credit card from Synchrony Bank / Synchrony Financial. Synchrony Bank / Synchrony Financial's site does not let us read its terms, so we leave the annual fee blank — check it on Synchrony Bank / Synchrony Financial's own site. Here is what we hold on it, and what we do not.

No figure here is checked yet

Not yet checked with Synchrony Bank / Synchrony Financial: credit requirement. Synchrony Bank / Synchrony Financial’s own page is authoritative — confirm anything you rely on there before you apply.

Apply on Synchrony Bank / Synchrony FinancialCompare this card
Opens Synchrony Bank / Synchrony Financial’s site

Bank with branches in: Utah (1). Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the JCPenney Credit Card, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
Not confirmedIssuer restricts access — check their site
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Not confirmed
Credit needed
NoneNot yet checked with Synchrony Bank / Synchrony Financial
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the JCPenney Credit Card. That may mean there isn’t one, or simply that we have not recorded it — Synchrony Bank / Synchrony Financial’s own page is the place to check.

Issuer restricts access — check their site
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the JCPenney Credit Card. Rather than print a multiplier we cannot source, this stays blank until Synchrony Bank / Synchrony Financial’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Earn JCPenney CashPass Points on purchases
  • $10 CashPass Reward for every 200 points earned
  • Special financing offers on qualifying furniture, mattress, jewelry, and other purchases
Next step

Ready to apply for the JCPenney Credit Card?

You'll finish the application on Synchrony Bank / Synchrony Financial's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Synchrony Bank / Synchrony Financial’s site
Questions

Questions about the JCPenney Credit Card

How much is the JCPenney Credit Card annual fee?

We could not verify the JCPenney Credit Card's annual fee, so we do not print one. Check the current annual fee on Synchrony Bank / Synchrony Financial's own site before you apply.

What does the JCPenney Credit Card earn?

We could not verify the JCPenney Credit Card's earn rates, so we do not print a multiplier. Check them on Synchrony Bank / Synchrony Financial's own site.

What network is the JCPenney Credit Card on?

We hold no card network on record for the JCPenney Credit Card. The network determines where a card is accepted and which network-level benefits apply, so confirm it with Synchrony Bank / Synchrony Financial before you apply.

Is the JCPenney Credit Card available in United States?

Yes — the JCPenney Credit Card is issued by Synchrony Bank / Synchrony Financial and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

How current is this JCPenney Credit Card information?

No figure we hold for the JCPenney Credit Card has been checked against a published document yet, so we show no check date. Synchrony Bank / Synchrony Financial's site restricts access, so we could not check: foreign transaction fee and welcome offer. We could not verify, so we do not print: annual fee, purchase APR and earn rates. Check them with Synchrony Bank / Synchrony Financial. Everything on this page comes from what we hold in our catalogue; confirm the fee, offer and terms with Synchrony Bank / Synchrony Financial before you apply.