1
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 1 Total
PENDINGFinancing 1
Special Financing Offers
Varies by promotionCardholders can access special financing promotions on eligible Baby Lock purchases. These offers may include deferred interest options or equal monthly payment plans, allowing customers to manage their purchases over time. Specific terms and availability are subject to credit approval and may vary by promotion.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
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Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 60 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Baby Lock Sewing More Credit Card (2026) requires applicants to be at least 18 years of age (19 in AL/NE), a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria, which typically ranges from fair to excellent credit. Income verification may be required. The primary 'bonus rule' for this store card is promotional financing offers, such as '0% APR for X months on qualifying purchases of $Y or more.' For example, '0% APR for 12 months on purchases of $1,000 or more, or 0% APR for 24 months on purchases of $2,500 or more.' Standard APR applies after the promotional period if the balance is not paid in full. This card is exclusively for use at Baby Lock authorized dealers.
Max Cards Per Issuer: 7
Min Spend Interval: 12 months
Cliff Effect Rules: Not applicable; Synchrony store cards generally do not have 'card family' rules or cliff effects. Each store card application and account is typically evaluated independently based on the applicant's credit profile and overall Synchrony exposure.
Special Events: Cardholders can expect exclusive discounts on Baby Lock machines, accessories, and notions, as well as enhanced promotional financing offers during specific store-wide sales events or product launches.
Holiday Promos: Synchrony and Baby Lock frequently offer enhanced promotional financing and special discounts during major shopping holidays such as Black Friday, Cyber Monday, Mother's Day, Father's Day, Christmas/Holiday season, and specific craft or sewing-related events throughout the year.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Special financing offers are very helpful for large purchases like sewing machines, easy to get approved even with fair credit, no annual fee.
Top Negative:
High interest rates after promotional period, deferred interest can be costly if not paid in full, customer service can be difficult to reach, limited use outside Baby Lock stores.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Hobby Lobby Credit Card
- Joann Credit Card
- Synchrony HOME Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $150.00
Approval Probability: 85.0%
Version Control
No Version Control Available
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