Coupons, rewards and promotional financing for regular JCPenney shoppers.
Rates, fees and offers
- Regular APR
- 33.24% variable
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- See issuer terms
- Rewards
- Rewards and cardmember coupons at JCPenney, plus promotional financing on larger purchases.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
At 33.24% APR this is one of the most expensive balances to carry. Store cards often have very high APRs. Pay the balance in full each month, or pay it off first if you're working down debt.
Paying and contacting Synchrony
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Synchrony cards → · Search all cards
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