Welcome to the JCPenney Online Credit
Acceptance Center

To accept this 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.

Your JCPenney Credit Card lets you shop with confidence and peace of mind knowing you have zero fraud liability for unauthorized use.*

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.

Please enter the following information, as it appears on your Acceptance Certificate. If your reference number is 8 digits, please add a "0" at the beginning.

Reference Number:


 Refer to your 9-digit
 reference number

Last Name:




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.

*You will not be held liable in the event of unauthorized use. You agree that unauthorized use does not include use by a person whom you have given authority to use the Account or Card and that you will be liable for all use by such a person.

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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