2
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 2 Total
PENDINGShopping 2
Special Financing Offers
Varies by promotionCardholders may be eligible for special financing promotions on qualifying purchases made at Barclay Jewelers. These promotions typically involve deferred interest if the promotional balance is paid in full within a specified period.
Exclusive Cardholder Offers
Varies by offerCardholders receive access to exclusive discounts, promotions, and special events offered by Barclay Jewelers.
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
Click "Get Data" button below to fetch sign-up bonus information.
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 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Barclay Jewelers Credit Card, issued by Synchrony, is a store-specific financing option. New cardholders typically qualify for an initial incentive, such as a percentage off their first purchase (e.g., 10-15% off) or special promotional financing offers (e.g., 0% APR for 6-12 months on qualifying purchases over a minimum threshold). Eligibility requirements for application include being at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to Synchrony's credit approval process. Approval is based on creditworthiness, income, and existing debt obligations. This card is primarily intended for purchases made at Barclay Jewelers.
Max Cards Per Issuer: 5
Min Spend Interval: N/A for traditional bonus spend; promotional financing terms apply to qualifying purchases made within specified periods or meeting minimum thresholds.
Cliff Effect Rules: Store-specific credit cards like the Barclay Jewelers card generally do not have complex 'card family' or 'cliff effect' rules (e.g., 5/24, once-per-lifetime bonuses) that are common with major travel or cash-back cards. Eligibility for promotional offers is typically independent of other Synchrony accounts, though overall credit limit across all Synchrony cards is considered.
Special Events: Cardholders can expect exclusive access to seasonal sales, holiday promotions, birthday discounts, and special financing events throughout the year, particularly around major gift-giving holidays or store anniversaries.
Holiday Promos: Key promotional periods include Valentine's Day, Mother's Day, Father's Day, Black Friday, Cyber Monday, and the entire Christmas/Holiday shopping season (November-December).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Special financing options for large purchases; exclusive discounts and promotions; convenient online account management.
Top Negative:
High interest rates if promotional period is missed; only usable at Barclay Jewelers; approval can be difficult for those with limited credit history.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Zales Credit Card
- Kay Jewelers Credit Card
- Chase Freedom Flex
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0