The JCPenney credit card program is officially issued, managed, and underwritten by Synchrony Bank. Synchrony Bank handles all credit underwriting, consumer billing, promotional financing offers, and customer support for JCPenney cardholders. Customers can utilize their private-label store credit cards or co-branded Mastercard products to make purchases online or in-store while earning rewards points. Account holders can easily review statements, track rewards balances, and submit digital payments through Synchrony Bank's secure online customer portal.