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Mastercard0/4 on file
Annual fee: issuer restricts access
Synchrony Bank / Synchrony Financial · Mastercard

JCPenney Mastercard

Rewards

The JCPenney Mastercard is a Mastercard from Synchrony Bank / Synchrony Financial. Synchrony Bank / Synchrony Financial's site does not let us read its terms, so we leave the annual fee blank — check it on Synchrony Bank / Synchrony Financial's own site. Here is what we hold on it, and what we do not.

Apply on Synchrony Bank / Synchrony FinancialCompare this card
Opens Synchrony Bank / Synchrony Financial’s site

Bank with branches in: Utah (1). Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the JCPenney Mastercard, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
3%Checked files.consumerfinance.gov
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the JCPenney Mastercard. That may mean there isn’t one, or simply that we have not recorded it — Synchrony Bank / Synchrony Financial’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the JCPenney Mastercard. Rather than print a multiplier we cannot source, this stays blank until Synchrony Bank / Synchrony Financial’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Earn JCPenney CashPass Points redeemable for $10 rewards at 200 points
  • Special financing available on qualifying furniture, mattress, jewelry, and other purchases
Next step

Ready to apply for the JCPenney Mastercard?

You'll finish the application on Synchrony Bank / Synchrony Financial's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Synchrony Bank / Synchrony Financial’s site
Questions

Questions about the JCPenney Mastercard

How much is the JCPenney Mastercard annual fee?

We could not verify the JCPenney Mastercard's annual fee, so we do not print one. Check the current annual fee on Synchrony Bank / Synchrony Financial's own site before you apply.

What does the JCPenney Mastercard earn?

We could not verify the JCPenney Mastercard's earn rates, so we do not print a multiplier. Check them on Synchrony Bank / Synchrony Financial's own site.

What network is the JCPenney Mastercard on?

The JCPenney Mastercard runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the JCPenney Mastercard available in United States?

Yes — the JCPenney Mastercard is issued by Synchrony Bank / Synchrony Financial and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the JCPenney Mastercard figures last checked?

We checked its foreign transaction fee in December 2025, against a published document. We could not verify, so we do not print: annual fee, purchase APR, earn rates and welcome offer. Check them with Synchrony Bank / Synchrony Financial. Terms can change without notice, so confirm the current details with Synchrony Bank / Synchrony Financial before you apply.