Enjoy Bigger, Better Benefits
Make the most of your JCPenney Credit Card with exclusive benefits, special financing offers and all the perks of JCPenney Rewards Access.
Everyday Rewards. Everyday value.
in CashPass Rewards on qualifying JCPenney purchases with your JCPenney Credit Card when you spend $1,000+ at JCPenney in a calendar year.
in CashPass Rewards on qualifying JCPenney purchases with your JCPenney Credit Card when you spend $1,000+ at JCPenney in a calendar year.
in CashPass Rewards on qualifying purchases at JCPenney when you use your JCPenney Credit Card.
Member
Spend $0–$99
BENEFITS
- Earn 5% back in CashPass Rewards
- Bonus events
- 200 points = $10 CashPass
- 2 Challenges per year
Insider√
Spend $100
BENEFITS
- Earn 7.5% back in CashPass Rewards on JCPenney purchases with a JCPenney Credit Card.
- $10 Birthday Bonus◊
- In-store events
- 200 points = $10 CashPass
- 2 Challenges per year
Elite√
Spend $300
BENEFITS
- Earn 7.5% back in CashPass Rewards on JCPenney purchases with a JCPenney Credit Card.
- $10 Birthday Bonus◊
- In-store events
- 200 points = $10 CashPass
- 4 Challenges per year
VIP√
Spend $1,000
BENEFITS
- Earn 10% back in CashPass Rewards on JCPenney purchases with a JCPenney Credit Card.
- $10 Birthday Bonus◊
- In-store events
- 200 points = $10 CashPass
- 6 Challenges per year
- Free Shipping on $25 or more∑
- Olaplex Liquid Gold Blowout or VIP Haircut at JCPenney Salon or one Free session fee at JCPenney Portraits by Lifetouch
√New JCPenney Credit Cardmembers start at Insider tier. Must be a JCPenney Credit Card Cardmember for VIP-level benefits. To learn more about when your tier status expires, see the JCPenney Rewards Program Description at jcp.com/rewards for complete details.
Estimate Your CashPass Rewards.
A tool for JCPenney Credit Cardholders
Estimated Purchase
Please select your current tier status
$1 = points
on qualifying purchases at JCPenney
200 points = $10 CashPass Rewards issued in $10 increments
Projected Rewards
to your next $10 CashPass Reward
Exclusive Cardholder Benefits
10% Back in CashPass Rewards
2 points for every dollar you spend after you spend $1,000 on qualifying purchases at JCPenney!**
Special Financing‡
Offers available on select purchases with your JCPenney Credit Card.
7.5% Back in CashPass Rewards
1.5 points for every dollar you spend on qualifying purchases at JCPenney!**
Special Cardholder Offers
Bigger, better deals-exclusively for cardmembers.
If you're approved for the JCPenney Mastercard, enjoy 1% Back in CashPass Rewards on purchases everywhere else Mastercard® is accepted**
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
on orders of $49 or more.
Additional Mastercard Benefits†
5% Back in CashPass Rewards^
on gas station and grocery store purchases for the first 90 days from account opening.
Mastercard ID Theft Protection™∆
Mastercard Global Services™
includes Lost and Stolen Card Reporting and Emergency Card Replacement
Cash access at ATMs
where Mastercard is accepted§
**Purchases subject to credit approval. Exclusions apply. The maximum number of points that you can receive in a single purchase transaction at JCPenney Stores or jcp.com is 2,000 points, regardless of the amount of the qualifying purchase. See the JCPenney Rewards Program Description for complete details.
†New Accounts as of 01/01/26: Variable Purchase APR is 33.24%. Variable Penalty APR is 39.99%. Minimum Interest Charge is $2. JCP Mastercard: Variable Cash APR 33.24% 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.
^5% JCPENNEY REWARDS CASHPASS: Qualifying transactions for the 5% JCPenney Rewards offer must be made at gas stations and grocery stores within the first 90 days from opening your account. Please allow up to two billing cycles for your Rewards points to post to your account. Transactions within other establishments (i.e., supercenter or warehouse clubs) may not apply. We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify for the Rewards points offer. Cash advances, balance transfers, interest charges and fees do not qualify for this offer or Rewards points. Account must remain open, in good standing and not be delinquent at the time the Rewards points are posted to the account. See the JCPenney Rewards Program terms in the credit application for details on how to earn and redeem rewards. Subject to credit approval. Mastercard is not responsible for the management or fulfillment of this promotion. This offer is sent and administered by Synchrony Bank.
◊See the JCPenney Rewards Program terms at jcp.com/rewards for complete details.
∆Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD.
∑ VIP JCPenney credit cardholders qualify for Free Shipping when the total amount of their purchase is at least $25 before tax and is charged to their JCPenney credit card. Excludes gift cards, transactions using other forms of payment, and purchases made with an associate discount. Valid for standard shipping (3–5 business days) to a single eligible delivery address within the contiguous United States; excludes truck-delivered and select manufacturer-shipped items. Not applicable to returns.
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.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.