Yes, you can use your JCPenney Mastercard virtually everywhere in the world that accepts credit cards, as this is card is on the Mastercard network.

The JCPenney Mastercard has a 3% foreign transaction fee, which means you will incur extra charges for international purchases. The card also offers 0.2 - 1.5 points per $1 spent and comes with an intro APR of 0% for 18 months on purchases. The card's regular APR is 33.99% (V). The JCPenney Mastercard also has a $0 annual fee.

Lastly, it's worth noting that there is a store version of this card, the JCPenney Credit Card, which is not affiliated with a major card network. As such, this card can only be used at JCPenney stores and JCPenney.com.

The easiest way to apply for the JCPenney Mastercard is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Synchrony Bank's website. Alternatively, you can apply in store.

Keep in mind that the JCPenney Mastercard requires good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...

Yes, JCPenney actually has two credit cards, the JCPenney Mastercard and the store version of this card, the JCPenney Credit Card. The JCPenney Mastercard is accepted virtually anywhere credit cards are accepted, while the JCPenney Credit Card is only accepted at JCPenney stores and JCPenney.com.

JCPenney Mastercard vs. JCPenney Credit Card

The only way you can set a PIN for your JCPenney Mastercard is by calling customer service at (844) 809-9198. You will have to provide your 16-digit account number, as well as other information related to your account like your Social Security number.

How to Set a PIN for Your JCPenney Mastercard

1. Call customer service at (844) 809-9198 and stay on the line until you are connected to a live representative.
2. When asked, provide your...

The JCPenney Mastercard credit score requirement is 700 or better. That means applicants with good credit or better have a shot at getting approved for the JCPenney Mastercard.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the JCPenney Mastercard, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and...

The JCPenney Mastercard cash advance limit is 20% of your credit limit, and you can find more details on your monthly statement or by calling Credit One Bank customer service. You'll also need to contact customer service to get a PIN if you're getting a cash advance at an ATM.

Key Things to Know About JCPenney Mastercard Cash Advances

• The JCPenney Mastercard charges fees and separate interest rates for cash advances. It charges a...

You can check your JCPenney Mastercard application status by calling 1-866-227-5213. When you call, you'll need to provide your Social Security Number so that Synchrony Bank can match you to your application.  Synchrony Bank does not allow you to check your application status online

How to Check Your JCPenney Mastercard Application Status

1. Call 1-866-227-5213.
2. Follow the automated prompts that lead to an application status check or connect with a representative and tell them...

To activate your JCPenney Mastercard, visit the online activation page or call customer service at (800) 527-4403 (or the number on the activation sticker). If you got approved for the JCPenney Credit Card instead, then you don't have to activate it.

Your new JCPenney Mastercard should be ready to make purchases in just a few minutes, no matter which method you use to activate it. The issuer does not have a certain time limit to activate your card, but it's best...

There is no disclosed starting credit limit for the JCPenney Mastercard. Some cardholders report starting limits as high as $6,000, though, according to forum posts. The issuer, however, does not include any specific credit limit information in the card's terms. There is no disclosed starting credit line for the JCPenney Credit Card, either.

For the most part, credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be...