You are on the application page for the JCPenney rewards credit card.

The JCPenney Credit Card is issued by Synchrony Bank. The Privacy Policy and Web Site Usage Agreement (en español Política de Confidencialidad / Contrato de Uso de Sitio Web) governs the use of the JCPenney Online Credit Center. This privacy policy is different from the privacy policy of JCPenney.
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Statement Delivery
Please select a delivery method for your billing statement. For 'Electronic Statements', you will receive a monthly email notifying you when you can view your billing statement online. You can review your new electronic statement by logging in to the service site and clicking on "View Statement" link. For 'Paper Statement' delivery, no email notification will be provided.
*Deliver Statements Electronic Statements Paper Statement
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Important Information - Please see below for Credit Terms (including the Credit Card Account Agreement), the Privacy Policy and the Consent to Electronic Communications. You may Print or Download these disclosures here.
Applicant Signature By submitting this application, I ask that Synchrony Bank ("you") issue me a credit card. I certify that I have received, read and agree to the Credit Terms, Consent to Electronic Communications and other important information above. I am providing this information to you and to JCPenney. I consent to SYNCB and any other owner or servicer of my account contacting me about my account, including using any contact information or cell phone numbers I provide, and I consent to the use of any automatic telephone dialing system and/or an artificial or prerecorded voice when contacting me, even if I am charged for the call under my phone plan. I also authorize and direct you to furnish information about me (including whether this application is approved or declined) and, if it is approved, information about my Account, to JCPenney (and its affiliates and licensees) for use in connection with the JCPenney Credit Card program, including to create and update their customer records for me, to assist them in better serving me, and to provide me with notices of special promotions, catalogs and tailored offerings. You may obtain information from others about me (including requesting reports from consumer reporting agencies and other sources) to evaluate my application, and to review, maintain, or collect my account. I understand that if my application is approved, the JCPenney Credit Card agreement ("Agreement") will be sent to me and will govern my account. Among other things, the Agreement: (1) includes a resolving a dispute with arbitration provision that limits my rights unless I reject the provision by following the provision's instructions; and (2) makes each applicant responsible for paying the entire amount of the credit extended.

Federal law requires us to obtain, verify, and record information that identifies you when you open an account. We will use your name, address, date of birth, and other information for this purpose.

I agree that I have read and agree to the above provisions, the Credit Terms (including the Credit Card Account Agreement), the Privacy Policy and the Consent to Electronic Communications (confirming my acceptance to receive communications electronically) set forth above. Clicking submit constitutes my electronic signature.

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