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Interest Free Credit Card



On optical purchase(s) of $300 or more (after discounts) on a JCPenney credit card account. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required. Valid in store only. Must request at time of purchase.

Earn 100 points or more in a month and get one $10 JCP Reward.
JCP Rewards cannot be redeemed in optical.

*NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS. Must request at time of purchase. Offer applies to optical purchases of $300 or more made on either a JCPenney credit card account or a JCPenney Rewards Mastercard account (excludes Outlet store purchases). Discounts or other promotional offers that reduce the purchase amount may result in the minimum qualifying purchase amount requirement not being satisfied. Under the promotion, no interest will be assessed on the promotional purchase, if you pay the promotional purchase amount in full within 6 months. If you do not, interest will be assessed on the promotional purchase from the date of the purchase. Minimum monthly payments required. Making required minimum monthly payments may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. For new JCPenney credit card accounts: Standard purchase APR is 26.99%. Minimum interest charge will be no less than $2.00. Existing cardholders should see their credit card agreement for their applicable terms. Promotional purchases of delayed delivery merchandise will be charged to account when merchandise is available for delivery. Subject to credit approval.

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