The Synchrony is a personal credit card from Synchrony. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 34.99% after a 0% introductory annual percentage rate for 18 months introductory rate for 18 months. Approval typically requires a credit score of 670 or higher. Signup bonus: Get between 5% and 35% back on select items on your next JCPenney purchase. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. JCPenney store card and JCPenney Mastercard. Issued by Synchrony Bank.