Save More on JCPenney purchases
Get the most JCPenney Rewards with your JCPenney Credit Card.
Everyday Offer
Exclusive Mastercard® Benefits
Everyday Offer
Cardmember Exclusive
Earn 1.5 CashPass points** for every dollar you spend on qualifying purchases at JCPenney!
(200 points = $10 CashPass Reward)
Exclusive Mastercard® Benefits
Earn 1% back on purchases everywhere else Mastercard is accepted**
(Spend $1,000 = $10 Reward)
Get a $10 CashPass
for every 200 points**
CashPass Rewards Calculator
for JCPenney Credit Cardmembers
Estimated Purchase
$1 = 1.5 points
on qualifying purchases at JCPenney
200 points = $10 CashPass
Reward issued in $10 increments
Projected Reward
to your next $10 CashPass Reward
Everyday Benefits
Everyday benefits at JCPenney or jcp.com
Exclusive Mastercard® Benefits
Everywhere else you shop where Mastercard is accepted.
Everyday Benefits
Everyday benefits at JCPenney or jcp.com
Earn 1.5 CashPass points**
for every dollar you spend on qualifying purchases at JCPenney! (200 points = $10 CashPass Reward)
Special Financing
Offers available on select purchases with your JCPenney Credit Card‡
Zero Fraud Liability
No Annual Fee†
Bonus Events
so you can earn CashPass points faster
Exclusive Mastercard® Benefits
Everywhere else you shop where Mastercard is accepted.
1% back on purchases everywhere else Mastercard is accepted** (Spend $1,000 = $10 CashPass Reward)
Mastercard ID Theft Protection™
Mastercard Global Services™
includes Lost and Stolen Card Reporting and Emergency Card Replacement
Mastercard Airport Concierge™
Cash access at ATMs
where Mastercard is accepted1
**JCPENNEY REWARDS: JCPenney credit cardmembers are automatically enrolled in JCPenney Rewards and are eligible to earn CashPass Points on purchases made with their JCPenney Credit Card or JCPenney Mastercard® account. For each $1 spent on a qualifying purchase at JCPenney stores or jcp.com using your JCPenney Credit Card or JCPenney Mastercard, you will receive 1.5 JCPenney CashPass Points, up to the point maximum (2,000) per transaction. JCPenney Mastercard® cardmembers earn Reward Points when using their Mastercard Account outside of JCPenney Stores and jcp.com, provided their JCPenney Mastercard Account is open and in good standing. Earn 1 Point for every $5 dollars in net purchases (purchases made by you or an authorized user minus returns and adjustments) everywhere Mastercard is accepted (other than JCPenney Stores and jcp.com). Balance Transfers, Cash Advances, finance charges, and fees do not qualify for points. Amounts are calculated based upon the sum of the prior billing cycle's Mastercard purchases less returns and includes points earned from applicable bonus offers. If you use a different payment method, you will receive 1 point for every $1 spent on a qualifying purchase up to the point maximum. Rewards apply to net card purchases (minus returns). Once you reach 200 points, you will be issued a $10 JCPenney CashPass Reward, redeemable on eligible JCPenney purchases. Your account must be in good standing when the reward points are earned, and reward certificates are issued. For qualifying purchases and exclusions and restrictions that may apply, please see the full Rewards Program Terms. Purchases subject to credit approval.
†Accounts as of 10/01/25: Variable Purchase APR is 33.74%. Variable Penalty APR is 39.99%. Minimum Interest Charge is $2. JCP Mastercard: Variable Cash APR 33.99% and 5% Fee (min $10). Foreign Trans Fee 3%.
‡SPECIAL FINANCING: Subject to credit approval. Offer available on qualifying furniture, mattress, jewelry, In-Home Custom Design, window and optical purchases. See store associate or department page on jcp.com for details.
1 Subject to credit approval. Transaction fees apply. See the Credit Terms and Disclosures for details.
Subject to credit approval. Transaction fees apply. See the Credit Terms and Disclosures for details.The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
The JCPenney Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Google Play and the Google Play logo are trademarks of Google LLC, Amazon, Kindle, Fire and all related logos are trademarks of Amazon.com, Inc. or its affiliates.