JCPenney Mastercard is a secure service provided by Synchrony Bank that allows users to access their credit card info in real time online. You may make a payment through the JCPenney Online Credit Center (log in and select “pay your bill online” from the navigation bar). Login to your JC Penney. The JCPenney Credit Card is a store card that is only usable at JCPenney and is issued by Synchrony Bank. Benefits Of Using JCPenney Credit Card. With your.