THE CARDTUNED DATABASE
JCPenney Credit Card
Issuer: Synchrony · Network: Varies
1.5 CashPass points per $1 on qualifying JCPenney purchases | JCPenney Mastercard earns 1 point per $5 elsewhere | $10 reward at 200 points
- Annual fee
- $0
- Foreign transaction fee
- Varies by card version; private-label card or Mastercard
- Intro APR
- No public introductory APR listed; verify the live application.
- Regular APR
- 33.24% variable purchase APR for new accounts as of 2026-01-01
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
$35 off a first purchase of $35–$499.99, or $125 off a first purchase of $500 or more
- Spending requirement
- $35–$499.99 or $500+
- Time window
- First eligible purchase
- Published end date
- 2026-11-30
Offer last checked: 2026-09-09
Additional benefits
• $35 off a first purchase of $35–$499.99 or $125 off $500+
• 1.5 CashPass points per $1 on qualifying JCPenney purchases
• $10 CashPass Reward for every 200 points
Restrictions to know
New-account discount is valid through 2026-11-30 on one eligible first purchase and excludes listed products/services, prior purchases, gift cards and other coupons. CashPass earning is capped at 2,000 points per transaction. The Mastercard version earns 1 point per $5 outside JCPenney.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff