JCPenney Mastercard
Basic Information
Program ID: jcpenney-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:28
Last Scraped: 01/15/2026 08:49
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The welcome offer is typically a percentage discount (e.g., 20%) applied immediately at the point of sale on the first qualifying purchase made with the new card. This is not a points/miles/cash bonus, hence SignupBonusAmount is 0.
Rewards Program
Reward Type: JCPenney Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x JCPenney purchases (during promotional events), 2x JCPenney purchases (for Gold & Platinum members), 1x JCPenney purchases (base)
Point Value Estimate: 0.0500 cents/point
Expiration Policy: Points expire if not redeemed within 12 months or if account is inactive. Issued reward certificates typically expire within 30-90 days.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 620 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility Requirements: Applicants must be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Tax Identification Number (ITIN), and have a verifiable income. Approval is subject to Synchrony's credit underwriting standards, which include a credit check. Bonus Rules: New cardholders typically receive an initial discount on their first JCPenney purchase. Ongoing benefits for 2026 are expected to include exclusive cardholder savings events, birthday offers, special financing promotions on qualifying JCPenney purchases, and earning JCPenney Rewards points on all JCPenney spending. Specific bonus offers and reward structures are subject to annual review and may vary.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A for traditional sign-up bonus; ongoing loyalty benefits apply.
Shutdown Risk Triggers: Fraudulent activity, consistent late or missed payments across any Synchrony account, high credit utilization, excessive returns or abuse of promotional offers, significant deterioration of overall credit profile (e.g., bankruptcy, charge-offs), or exceeding Synchrony's internal cumulative credit exposure limits.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.7 / 5.0
Top Positive Feedback:
Frequent discounts, special financing, and birthday offers are highly valued by loyal JCPenney shoppers, with many finding the card easy to obtain and beneficial for building credit.
Top Negative Feedback:
Common complaints include high APRs, poor customer service from Synchrony Bank, and frequent billing issues leading to unexpected fees. Its limited utility outside JCPenney is also a drawback.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Target RedCard
- Kohl's Charge
- Capital One SavorOne Cash Rewards
Card Value Score: 45.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0