Earn More on JCPenney purchases**
Get the most JCPenney Rewards with your JCPenney Credit Card.
Everyday Purchases. Exclusive Rewards.
on qualifying JCPenney purchases with your JCPenney Credit Card.
Cardmembers: Spend $135 =
Everyone else: Spend $200 =
Estimate Your CashPass Rewards.
A tool for JCPenney Credit Cardholders
Estimated Purchase
$
$1 = 1.5 points
on qualifying purchases at JCPenney
Spend $135 = Get $10 CashPass
Reward issued in $10 increments
Projected Reward
$
to your next $10 CashPass Reward
Exclusive Cardholder Benefits
7.5% Back in CashPass Rewards
1.5 points for every dollar you spend on qualifying purchases at JCPenney!** (Spend $135 = $10 CashPass Reward)
Special Cardholder Offers
Bigger, better deals-exclusively for cardmembers
1% Back in CashPass Rewards
on purchases everywhere else Mastercard® is accepted** (Spend $1,000 = $10 CashPass Reward)
Exclusive Cardholder Events
Credit Savings Days just for cardmembers
No Annual Fee†
Birthday Gift
Get a $10 CashPass Reward to celebrate your special day
Zero Fraud Liability
Free Shipping to Stores
on orders of $49 or more
Special Financing‡
Offers available on select purchases with your JCPenney Credit Card
Additional Mastercard Benefits†
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 accepted§
**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.
†New Accounts as of 11/01/25: Variable Purchase APR is 33.49%. Variable Penalty APR is 39.99%. Minimum Interest Charge is $2. JCP Mastercard: Variable Cash APR 33.49% 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.
§Subject to credit approval. Transaction fees apply. See the Credit Terms and Disclosures for details.
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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.
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