Welcome to the JCPenney Online Credit Acceptance Center


To accept an offer, just enter the 9-digit reference number found in your email, or on the Acceptance Certificate in your pre-selected mailing. Please complete all fields and verify your information for accuracy. This is a secure site, so all information you provide will remain private.

If your reference number is 8 digits, please add a "0" at the beginning.

Reference Number:


Last Name:




Please note: The online activation system is available during the following hours: Monday Saturday 7 am to 3 am, and Sunday 7 am to 12:30 am Eastern Time.

Residents of Maryland, Wisconsin, Puerto Rico and the U.S. Virgin Islands are not permitted to apply online. Please complete the Acceptance Certificate you received in the mail.

NOTICE: The JCPenney Online Credit Center is operated by Synchrony Bank, the issuer of the JCPenney Credit Card.  We encourage you to read SYNCB's Privacy Policy and Web Site Usage Agreement, which governs the use of the JCPenney Online Credit Center.  Please note that this Privacy Policy and Web Site Usage Agreement may differ from those of any web site you may have previously visited.

Click here for the PRESCREEN & OPT-OUT NOTICE.

The JCPenney Credit Card is issued by Synchrony Bank

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