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CashPass points (200 pts = $10 CashPass)
Added 2026-10-29 (Synchrony sweep). At JCPenney: 1.5 CashPass pts/$1 (≈7.5% back; VIP tier after $1,000/year earns 2 pts/$1 ≈ 10%). On the Mastercard elsewhere: 1% back in CashPass, plus 5% back on gas and grocery for the first 90 days (current terms promo). 3% foreign transaction fee (Mastercard terms as of 2026-10-01). APR 33.49% for new accounts 10/1/26. You do not choose the Mastercard — it is by qualification / upgrade. Partnership renewed multi-year (2025/26).
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| JCPenney purchases | 1.5 CashPass pts/$1 (≈7.5% back) | — | VIP tier (after $1,000/yr) earns 2 pts/$1 ≈ 10% back; 200 pts = $10 CashPass |
| Gas Stations | 5% back (first 90 days only) | First 90 days | Mastercard introductory promo in current terms |
| Groceries / Supermarkets | 5% back (first 90 days only) | First 90 days | Mastercard introductory promo in current terms |
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CashPass points
$35 off a first purchase of $35–$499.99, or $125 off a first purchase of $500+ (Synchrony catalog, Oct 2026).
Dollar estimate unavailable: the offer is unconfirmed, has no fixed amount, has incomplete qualifying terms, has multiple stages, or lacks a usable valuation. No missing value is treated as $0.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Synchrony application rules
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Tiered first-purchase discount, not a points/cash bonus — Bonus Amount blank on purpose.
Offer type, as listed: Public — first-purchase discount