{"card":{"slug":"jcpenney-mastercard","name":"JCPenney Mastercard","issuer":"synchrony","currency":"JCPenney CashPass Points"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://jcpcreditcard.com","history":[{"date":"2024-01","bonus":0,"spend":0,"months":0,"note":"First-purchase discount promotions rotated through the year"},{"date":"2026-06","bonus":0,"spend":0,"months":0,"note":"No standing public welcome offer"},{"date":"2026-10-12","observedOn":"2026-10-12","bonus":0,"spend":0,"months":3,"note":"No cash welcome bonus; new Mastercard holders earn 5% back in CashPass Rewards on gas and grocery purchases for the first 90 days","sourceUrl":"https://jcpcreditcard.com","sourceLabel":"JCPenney Credit Card site (Synchrony)"}],"verificationEvents":[{"id":"4ea329fe-9239-46ea-80ea-e55be25bad7e","entityType":"card","slug":"jcpenney-mastercard","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:08.156Z","sourceUrl":"https://jcpcreditcard.com/","sourceLabel":"JCPenney Credit Card site (Synchrony)","outcome":"changed","summary":"CashPass earning now 7.5% at JCPenney (10% after $1,000/yr), 1% elsewhere on the Mastercard; 5% gas/grocery for 90 days; APR 33.24%","changedFields":["earningRates","benefits","currentOffer"],"facts":{"annualFee":0,"apr":"33.24%"},"previousHash":"f7299fbe05433be608960471874edaedab7ea94c5dc2e997c9bf94b6b0d3b20c","recordHash":"16d806492b5cf7245f26cc7c5c35dcbc0c7da2561096b13a953f483498291bf8"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}