Alice Kane, WalletHub Analyst
@Alice_K
No, you cannot use your JCPenney Credit Card anywhere you want, as you can only use it for purchases at JCPenney stores, JCPenney.com, Sephora stores inside JCPenney locations, and Sephora.com. The JCPenney Credit Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The JCPenney Credit Card offers accountholders 1.5 points per $1 on JCPenny purchases and has an annual fee of $0, so it might be worth getting for people who shop at JCPenney often.
JCPenney also has a different card on the Mastercard network. Because it's backed by one of the major payment networks, the JCPenney Mastercard can be used pretty much anywhere credit cards are accepted. The same cannot be said for the store card version.
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People also ask
How does JCPenney Credit Card purchase protection work?
The JCPenney Credit Card does not have purchase protection. In fact, purchase protection has never been a JCPenney Credit Card benefit, since Synchrony Bank has always opted to put other perks on this card. This is pretty common, unfortunately, as only around half of the major credit card issuers still offer purchase protection on at least one of their credit cards.
Although the JCPenney Credit Card no longer offers purchase protection, applying could still make a lot of sense in...
read full answer by Evelyn Boros, Credit Cards ModeratorIs JCPenney Credit Card a cash back credit card?
No, the JCPenney Credit Card is not a cash back credit card. Although the JCPenney Credit Card does not offer cash back directly, it does have rewards, giving 1.5 points per $1 spent on purchases. JCPenney Credit Card’s annual fee is $0.
Key Things to Know About the JCPenney Credit Card
- Rewards: 1.5 points per $1
- Annual fee: $0
- Regular APR: 33.99% (V)
- Foreign transaction fee: N/A
- Credit required: Fair
- WalletHub editor’s rating: 3.3/5
- WalletHub...
Can I get a JCPenney Credit Card cash advance?
No, you cannot get a JCPenney Credit Card cash advance. This is a store card that can only be used for purchases only at JCPenney stores or through JCPenney.com.
The fact that JCPenney Credit Card cash advances are not an option might actually be a blessing in disguise. Cash advances are very expensive, thanks to a cash advance fee and a separate cash advance APR that applies as soon as you withdraw the cash. There may also be ATM-owner fees, depending...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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