I happened to try and add my JCPenny CC to my Wallet and was surprised that it almost worked. Looks like it is being tested at 1 store for now with a full nationwide rollout in the spring.
FWIW, JCPenney's official line as of today is that it's not live nationwide yet.
Although we are testing Apple Pay and NFC payments in Dallas, we have not yet rolled out mobile payments nationwide. We currently anticipate testing to be complete later this year, at which time we will expand Apple Pay to all stores.
I have no cards with chips yet, so don't know. I try to shop where they accept AP or LoopPay, as I have one of the first LoopPay Fobs on my keychain. Works almost everywhere.