NEW ACCOUNT OFFER!

*Subject to credit approval. In order to qualify for this offer, you must open a new JCPenney Credit Card account and use it to make a purchase of (in the US and PR) $35–$499.99 for $35 off or $500 or more for $125 off on select original, regular, sale, and clearance-priced apparel, shoes, accessories, fine jewelry, watches, home, salon products, fragrances, and JCPenney Beauty. Each offer good in store or at jcp.com, excluding taxes, from the date your application is approved through 11/30/2026. One use per coupon, one coupon per customer; must be provided/surrendered at the time of purchase. Only one account opening discount can be earned per account. Applicants who do not receive a credit decision at the time of their application, but are later approved, will receive a first purchase discount coupon in their credit card package. Full amount of purchase must be on one receipt and on the JCPenney Credit Card or JCPenney Mastercard^® to receive account-opening discount.

Does not apply to in-store services, service plans, gift cards, closing store purchases, current orders/prior purchases, or in combination with other coupon(s). The offers can be combined with earned JCPenney Rewards. Coupon cannot be used for payment on account. Coupon cannot be replaced or redeemed as cash or merchandise credit if merchandise is returned. May not be used for purchases made by cash, Gift Cards, debit cards, American Express, Discover Card or bankcards. No cash value. JCPenney may refuse, or limit the use of, any coupon and/or return for any reason, including reoccurring disruptive behavior. Additional exclusions and exceptions may apply. See jcpenney.com/exclusions or store associate for details.

**Purchases subject to credit approval. Exclusions apply. The maximum number of points that you can receive in a single purchase transaction at JCPenney Stores or jcp.com is 2,000 points, regardless of the amount of the qualifying purchase. See the JCPenney Rewards Program Description for complete details.

***If you are approved for a new JCPenney credit card account, a $10 CashPass Reward Certificate will be deposited into your JCPenney Rewards account for your use within 48-hours of opening your account.

^†New Accounts as of 01/01/26: Variable Purchase APR is 33.24%. Variable Penalty APR is 39.99%. Minimum Interest Charge is $2. JCP Mastercard: Variable Cash APR 33.24% and 5% Fee (min $10). Foreign Trans Fee 3%.

^‡SPECIAL FINANCING: Subject to credit approval. Offer available on qualifying furniture, mattress, jewelry, In-Home Custom Design, window and optical purchases. See store associate or department page on jcp.com for details.

^§Subject to credit approval. Transaction fees apply. See the Credit Terms and Disclosures for details.

^{^}5% JCPENNEY REWARDS CASHPASS: Qualifying transactions for the 5% JCPenney Rewards offer must be made at gas stations and grocery stores within the first 90 days from opening your account. Please allow up to two billing cycles for your Rewards points to post to your account. Transactions within other establishments (i.e., supercenter or warehouse clubs) may not apply. We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify for the Rewards points offer. Cash advances, balance transfers, interest charges and fees do not qualify for this offer or Rewards points. Account must remain open, in good standing and not be delinquent at the time the Rewards points are posted to the account. See the JCPenney Rewards Program terms in the credit application for details on how to earn and redeem rewards. Subject to credit approval. Mastercard is not responsible for the management or fulfillment of this promotion. This offer is sent and administered by Synchrony Bank.

^◊See the JCPenney Rewards Program terms at jcp.com/rewards for complete details.

^∆Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD.

^∑ VIP JCPenney credit cardholders qualify for Free Shipping when the total amount of their purchase is at least $25 before tax and is charged to their JCPenney credit card. Excludes gift cards, transactions using other forms of payment, and purchases made with an associate discount. Valid for standard shipping (3–5 business days) to a single eligible delivery address within the contiguous United States; excludes truck-delivered and select manufacturer-shipped items. Not applicable to returns.

The JCPenney Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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