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Friday, October 23, 2026 Independent since 2026. We are not a lender.

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JCPenney Mastercard® from Synchrony: annual fee, APR and rewards

Fact sheet for the JCPenney Mastercard®, issued by Synchrony, with no annual fee. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Synchrony
Network	Mastercard
Annual fee	$0
Rewards	No rewards
Purchase APR	The APR for purchases is the prime rate plus 26.49%. As of January 1, 2026, the daily rate for purchases was .09107% (APR 33.24%). Variable.
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 33.62%, with a range of 33.49% to 33.74%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.

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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. jcpenney.com/m/plcc-benefits · synchronybankterms.com/syfterms/pdf/JCPenney_Mastercard_… · synchrony.com/partner/jcpenney

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