JCPenney Mastercard
By Alex Compton · Last verified
CashPass points at Penney's and a 33% APR everywhere else.
Welcome Bonus
None
No cash welcome bonus; new Mastercard holders earn 5% back in CashPass Rewards on gas and grocery purchases for the first 90 days
Spend Requirement
None
in 3 months
Annual Fee
$0
3% FTF
Credit Score
640+
(Fair-Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Window: 0 months → 3 monthsNo cash welcome bonus; new Mastercard holders earn 5% back in CashPass Rewards on gas and grocery purchases for the first 90 days | JCPenney Credit Card site (Synchrony) → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo standing public welcome offer | Archive record · no attached snapshot |
| 2024-01 | $0 | No recorded spend | Earliest recordFirst-purchase discount promotions rotated through the year | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
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%
Fields: earningRates, benefits, currentOffer
JCPenney Credit Card site (Synchrony) →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xJCPenney stores and jcp.com after $1,000 of JCPenney spend in a calendar year10% back in CashPass Rewards; 200 points convert to a $10 CashPass Reward
- 1.5xJCPenney stores and jcp.com7.5% back in CashPass Rewards; new cardmembers start at the Insider tier
- 0.2xEverywhere else Mastercard is acceptedJCPenney Mastercard only: 1% back in CashPass Rewards
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Special financing on qualifying furniture and mattress purchases of $499 or more
- ✦$10 birthday CashPass Reward and cardmember-only Credit Savings Days
- ✦Free shipping on $49 or more, $25 or more at the top VIP tier
- ✦Mastercard version: 5% back in CashPass Rewards on gas and grocery purchases for the first 90 days
Why it earns its spot
- +7.5% back at JCPenney, rising to 10% after $1,000 a year
- +Certificates come fast for regular Penney's shoppers
- +No annual fee
Where it costs you
- −33.24% purchase APR for new accounts is among the highest in retail
- −Synchrony typically decides whether you get the store card or the Mastercard, you cannot choose
- −Certificates expire and only spend at JCPenney; 3% foreign transaction fee on the Mastercard
The Compound Verdict
A store card wearing a Mastercard badge. The earn rate at JCPenney is fine and the certificates move quickly, but Synchrony controls which version you receive at application and the APR is punitive. Worth holding only if JCPenney is a genuine habit and you never carry a balance.
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