How to Activate a JCPenney Credit Card? Registration and Bill Payment Procedure

If you are planning to get a JCPenney credit card or have already applied for the card and want to know about the activation process, here is the article to help you. From the application process, activation process, and registration process, to the bill payment process, we have covered all. You will also find answers to other questions. The reward rate is double for those who hold the card in comparison to the non-cardholder members. So, if you love to shop at JCPenney, this card is a good option. Let’s move to the JCPenney credit card activation process and other details.


How to Apply for a JCPenney Credit Card?

First thing first, you need to apply for the JCPenney credit card. Here is the step-by-step process for submitting your application.

  • Visit the official website at
  • Scroll down to the footer and you will see the ‘Apply for JCP Credit Card’ option under the ‘My Account’ section. Click it.
  • You will be redirected to the application page. Read the Terms & Conditions and provide the required details.
  • Enter the last four digits of your SSN/ ITIN and your mobile phone number. Click the ‘Continue’ button.
  • Complete the remaining process.

Note: You can directly apply at any JCPenney store.

How to Activate the JCPenney Credit Card?

Once you get your card, you need to activate it before starting shopping. The activation process is simple and has to be done only via the official website. The steps for the same are mentioned below:

Via Official Page

  • Go to the official activation page at
  • The page will ask you to enter some details. Provide your card number, security code (three-digit code on the back of your card), and the last four digits of the Social Security Number (SSN). Click the ‘Activate My Card’ button.
  • That’s it. Your JCPenney Credit Card will be activated.

Via Phone

  • Call the number mentioned on your card’s label from your registered mobile number (the one associated with your account).
  • Enter your account number, when asked.
  • You may be asked to enter some details such as date of birth or the last four digits of the Social Security Number.
  • You will be notified about your card activation through a voice message. Wait for it.

What if I misplaced the label on the credit card?

In such a case, you can go for the online activation mode or call JCPenney Customer Support. When prompted, say ‘Activate Card’ and provide the last four digits of your Social Security Number. You will be guided through the further process.  

How to Register for a JCPenney Credit Card?

If you have received your JCPenney credit card, you can register for an online account that can help you manage your credit card smoothly. Here are the steps for registration:

  • Go to the official website at
  • Click the ‘Register’ or ‘Apply’ option below the login screen.
  • Enter your credit card account number and Zip code.
  • Click the ‘Continue’ button.
  • Complete the process by selecting your user ID and password.
  • You can configure your online account’s settings.

Benefits of an Online JCPenney Account

Here are the benefits you can enjoy by registering for a JCPenney account:

  • Check your account statement anytime.
  • Keep a track of your transactions.
  • Schedule an automatic payment.
  • Configure notifications and alerts.
  • Manage points and rewards easily.
  • Get quick customer support.

How to Pay for the JCPenney Credit Card?

Payment of the JCPenney credit card bill can be made via money order or check by mail. You can also make the payment online by visiting the JCPenney Credit Center and following the procedure mentioned below:

  • Log in to your JCPenney account using your credentials.
  • Go to the bill payment section.
  • Enter information such as payment amount, payment date, and more. You will also require your bank’s routing number to make the payment.
  • That’s it! You will see a success message once the payment is complete. 

Note: JCPenney credit card bill payment can also be done by presenting a check, money order, or cash at the JCPenney store.

Frequently Asked Questions (FAQs)

Q. Who issues JCPenney’s credit cards?

The JCPenney credit card is issued by Synchrony bank. It is a store card with which you can earn rewards for spending at JC Penney stores, offline and online. One point is rewarded for every dollar spent on eligible products plus an additional 25% bonus points when you use rewards.

Q. How can I get a JCPenney card?

You can apply for the JCPenney card online through the official website or in the store. 

Q. Where can I use the JCPenney credit card?

The JCPenney credit card can be used for purchases at JCPenney (offline stores and online website –, Rite Aid,, Sephora inside JCPenney stores, and

Q. Can I use my JCPenney credit card at Walmart?

No. JCPenney credit cards cannot be used at Walmart.

Q. Can I use my card at CVS?

No, you cannot use your JCPenney card at CVS.

Q. What is the annual fee to be paid for the JCPenney credit card?

There is no annual fee for the JCPenney credit card.

Q. What score is required to qualify for the JCPenney credit card?

A fair credit score is required for a JCPenney credit card i.e. your credit score must be 640+. You can check if you qualify for the card through the official website. This will not impact your credit bureau score. Go to the official website and click the ‘See if you Prequalify’ button. Provide the information asked and you are done.

Q. I haven’t used my JCPenney credit card for long. How can I check my rewards?

If you haven’t used your card for long but have made regular bill payments against recurring monthly charges, your card might be active. Just check your reward points through the online account. And, if you have been inactive, your card may have been closed. In such a case, all rewards are lost. We suggest you contact customer support to know the status of your card.

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