If this is the question on your mind, then let’s give you the answer; who is JCPenny credit card through?. The JCPenny Credit Card is through Synchrony Bank, and it is a card that rewards you with an extra 15% off select purchases made today when you open and use your JCPenny Credit Card.

Who is JCPenny Credit Card Through

JCPenny Credit Card Benefits

  • Get an extra exciting 15% off select purchases made today as you open and use your JCPenny Credit Card (Discount may be combined with another coupon).
  • You stand a chance of enjoying 5% off select merchandise
  • As a card member, you get automatically enrolled in JCPenny Rewards, with lots of extra benefits
  • $10 Reward for 200 points earned
  • Earn rewards 2X faster, with your JCPenny Credit Card
  • $1 spent = 1 point with your card
  • $2 spent = 1 point with any other form of payment
  • Rip up to 2,000 points on a single purchase.

You should know this before you apply

  • Monitor your credit score, and the details on your credit report
  • Gothrough your credit report carefully, and look out for old information or mistakes that should be corrected. Contact the credit bureau, to find out how to get the information removed or corrected
  • Tryand pay down your debts, including charge-offs or collections, which can help improve your credit score over time.

Who is JCPenny Credit Card Through?  (How to Apply)

Applying Online

Synchrony Bank, has madeit easy forintending applicants to apply for JCPenny credit card. Simplyapply by doing the following;

  • Go to Synchrony Financial application portal
  • Keyin the following details; Initial purchase amount if known, First name, M.I., Last name, Suffix, Street address, Apt #, Zip code, City & State, Housing, Primary phone, Type, Alternate phone, Type, Alternate phone, Type, Email address, Confirm email address, SSN/ITIN, Date of birth and Annual net income
  • Tick the box, to add a joint applicant
  • Tap on “Continue”.

Applying In-Store

Visit a JCPenny store, and apply in-person with an associate. Then submit the same information as you would do when applying online. For convenience, you canalso use the JCPenny’s store locator, to find the nearest store.

Making Payments


  • Log into your account
  • Locate the “Pay Online” button and tap on it
  • Pick a convenient payment option
  • Pay your bill.


Mail to the following address;

Synchrony Financial, P.O. Box 960090,Orlando, FL 32896-0090.

Beforeyou make your mail payment, itis idealto include your JCPenny account number on your check. Your account number is on your statement. To becertain your payment is received on time, it is ideal, that you mail your payment at least 5 business days prior to the due date displayed on your monthly billing statement.


Visit the nearest JCPenny store in person, and make your payment with a check, money order, or cash.

Your card can be used at all JCPenny stores, jcp.com and Sephora.com.

Free shipping with JCPenny credit card?

There’s free shipping on orders $99+ or free ship-to-store on orders of $25+.Extra 30% off JCPenny Home Light-Filtering Cordless Cellular Shades when you enter this JCPenny coupon code at checkout.

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