JCPenney Credit Card. ISSUED BY SYNCHRONY BANK
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JCPenney Credit Card
GET A $10 REWARD FOR 200 POINTS EARNED
So many benefits, so much to love
JCPenney Credit Card JCPenney Gold Card JCPenney Platinum Card
Rewards Member Cardmember Gold Platinum
Earn $10 rewards**
Earn points for every qualifying purchase—
get a $10 reward for every 200 points earned
Birthday gift
To celebrate your special day
Bonus events
Extra earning opportunities
Earn rewards 2X faster**
For every qualifying purchase, $1 spent =
1 point with your JCPenney Credit Card;
$2 spent = 1 point any other way you pay
150+ credit savings days
Spcieal savings days just for JCPenney Credit Cardmembers
Special financing§
Offers available with your JCPenney Credit Card
Passbook of coupons
Includes a Pick Your Own Sale Day, plus other coupons & special offers
Bonus points days
Special bonus opportunities on brands you love
Platinum appreciation
Exclusive sale days with an extra 30% off
The higher you go, the better it gets
JCPenney Gold Card
Spend $500 or more
at JCPenney or jcp.com in a calendar year to earn or maintain Gold status.
JCPenney Platinum Card
Spend $1,000 or more
at JCPenney or jcp.com in a calendar year to earn or maintain Platinum status.
CHECK OUT OUR APP! GET ALL YOUR REWARDS & COUPONS DELIVERED TO YOU, RIGHT IN THE WALLET

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**JCPENNEY REWARDS: JCPenney credit cardmembers are automatically enrolled in JCPenney Rewards and are eligible to earn rewards points on purchases made with their JCPenney credit card account. For each $1 spent on a qualifying purchase at JCPenney stores or jcp.comusing your JCPenney credit card account, you will receive 1 JCPenney Rewards point, up to the point maximum ($2,000). If you use a different payment method, you will receive 1 point for every $2 spent on a qualifying purchase up to the point maximum. Rewards apply to net card purchases (minus returns). Once you reach 200 points, you will be issued a $10 JCPenney Rewards certificate, redeemable on eligible JCPenney purchases. Your account must be in good standing when the reward points are earned and reward certificates are issued. For qualifying purchases and exclusions and restrictions that may apply, please see the full Rewards Program Terms provided with your account agreement (as may be amended) or jcp.com/rewards.

JCPENNEY GOLD/PLATINUM CARD LEVEL DETAILS: You must spend $500 or more on merchandise or services at JCPenney Stores or jcp.com with your JCPenney credit card in a calendar year to earn or maintain JCPenney Gold Status. Spend $1,000 or more on merchandise or services at JCPenney Stores or jcp.com with your JCPenney credit card in a calendar year to earn or maintain JCPenney Platinum Status. JCPenney Gold/Platinum Status is determined at the time of your monthly billing statement after meeting purchase threshold. We reserve the right to change or cancel the JCPenney Gold/Platinum Program or any or all of its benefits at any time without notice. If your account is not in good standing and/or you no longer meet our criteria, you may be ineligible for the JCPenney Gold/Platinum Program and/or unable to take advantage of JCPenney Gold/Platinum Promotions. The JCPenney Gold/Platinum benefits are available only to residents of the 50 states of the US and PR. The JCPenney Gold/Platinum Program is provided by Synchrony Bank.

BIRTHDAY OFFER: A birthday offer will be sent via email, or at JCPenney’s sole option via U.S. mail, to eligible Members. To be eligible for the offer, Members must (a) be residents of the 50 states of the U.S. and PR, and have a birthday date on file with their Program or credit account, (b) if not a JCPenney credit cardmember and/or a JCPenney Home Services Credit Cardmember, have earned points within the last 12 months, (c) if a JCPenney credit cardmember (includes JCPenney Mastercard Cardmembers), have made at least one purchase with their JCPenney credit card within the last 12 months, and (d) have a JCPenney credit card account and/or Program account that is in good standing at the time the birthday offer is issued. Also, Members who reside in HI or who have not achieved JCPenney Gold/Platinum credit account status must have a valid email address on file with their Program account to receive the birthday offer. One offer per account.

††OTHER PROGRAM FEATURES AND BENEFITS. Additional features and benefits may be included in the Program, either for a limited time or on a consistent basis. For instance, Members may receive offers from time to time. Offers may include, but are not limited to, percent-off or dollar-off coupons. Offers may vary depending on whether you use a JCPenney credit card or by the status of your JCPenney credit card. Offers may require that a valid email address be on file with your Program account. Additional features and benefits, including offers, may include additional details, exclusions and terms. Please refer to www.jcp.com/rewards for more information about Program features and benefits.

§SPECIAL FINANCING. Subject to credit approval. Minimum monthly payments required. See a JCPenney Associate in store or see online at jcp.com for details.

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