Alice Kane, WalletHub Analyst
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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.
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