Rewards · Other · No annual fee
Last verified 2026-09-09. Review issuer source
Synchrony Bank JCPenney is a no-annual-fee points card from Synchrony Bank. Its best everyday rates are 5x on JCPenney; everything else earns 1x. Rewards are JCPenney points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it returns about $82, an effective 0.3% back.
Get it if you already fly or stay with JCPenney often enough to use the perks. A general travel card earns points that go more places.
No welcome bonus is stored for this catalog entry yet.
No benefits are stored for this catalog entry yet.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| JCPenneyThis card · 5x on JCPenney | None | $82 | +$82 | 1016th of 1,291 |
| Verizon VisaSynchrony Bank's most-held other card · 4% on dining | None | $606 | +$606 | 10th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
