Can I use my JCPenney Credit Card anywhere? This question is about the JCPenney Mastercard

Can I use my JCPenney Credit Card anywhere?

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This question is about the JCPenney Mastercard

Alice Kane, WalletHub Analyst

@Alice_K • 08/05/22 This answer was first published on 10/29/19 and it was last updated on 08/05/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You can use the JCPenney Mastercard anywhere Mastercard is accepted. The JCPenney Credit Card, on the other hand, can only be used at JCPenney stores, JCPenney.com, Sephora stores inside JCPenney locations, and Sephora.com.

It’s worth noting that potential cardholders do not get to choose which card they apply for. If they apply and get approved, the applicants will get either the JCPenney Credit Card or the JCPenney Mastercard, depending on their creditworthiness.

Answer Question

Where can I use my Synchrony credit card?

Where you can use your Synchrony credit card depends on which card you have. Synchrony Bank mostly issues store credit cards, which only work at the specific retailers they’re affiliated with. But if your card has a Visa or Mastercard logo and an expiration date, it can be used pretty much anywhere.... read full answer

For example, the American Eagle Outfitters (AEO) Store Card can only be used at American Eagle Outfitters. But the American Eagle Outfitters (AEO) Credit Card can be used anywhere Visa is accepted.

Here’s where you can use popular Synchrony credit cards:

Amazon.com Store Card: Amazon.com

American Eagle Outfitters (AEO) Store Card: American Eagle Outfitters

Lowe's Store Card: Lowe’s

TJX Store Card: T.J.Maxx, Marshalls, HomeGoods and Sierra Trading Post

JCPenney Credit Card: JCPenney

Sam's Club® Credit Card: Anywhere Mastercard is accepted

Some of those cards also have a Visa or Mastercard version that can be used basically anywhere that takes credit cards. But they generally offer the best rewards on purchases made through the stores they’re affiliated with.

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Is 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, it does have rewards, giving 1 point per $1 spent on purchases. The JCPenney Credit Card also has an annual fee of $0.

There are plenty of other cash back credit cards to consider, though. You can start your search with WalletHub’s editors’ picks for the ... read full answer best cash back credit cards on the market. It’s good to compare multiple options before submitting an application, to ensure that you get the most bang for your buck.

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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 on where you make the cash advance.... read full answer

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