MastercardJCPenney Mastercard
CashPass points at Penney's and a 33% APR everywhere else.
Welcome Bonus
None
No standing public welcome offer; rotating first-purchase discounts appear in store
Spend Requirement
None
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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1.5xJCPenney stores and jcp.com
- 1xEverywhere else Mastercard is accepted
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
- ✦CashPass points stack with JCPenney coupon culture
- ✦Synchrony renewed the JCPenney partnership long term, so the program is stable
Why it earns its spot
- +Certificates come fast for regular Penney's shoppers
- +No annual fee
Where it costs you
- −33.24% purchase APR as of 2026 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
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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