Bernina Credit Card

Synchrony Pending

Back Apply Now

1

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: bernina-credit-card

Issuer: Synchrony

Card Name: Bernina Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 16:42

Last Scraped: Feb 16, 2026 16:44

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 1 Total
PENDING
Shopping 1
Special Financing Offers
Available daily

Cardholders have access to special financing options available every day for purchases made with the BERNINA Credit Card. Specific terms and conditions, including minimum purchase amounts and promotional periods, are subject to credit approval and may vary. See store for details.

Benefits Summary (Flags)
PENDING

Extended 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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months or if you make a late payment. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: The Bernina Credit Card, issued by Synchrony, primarily offers promotional financing options for purchases made at authorized Bernina dealers. Typical offers include 0% APR for a specified period (e.g., 6, 12, 18, 24, 36, 48, or 60 months) on qualifying purchases, often with a minimum purchase amount. These promotions are subject to credit approval and specific terms and conditions, including deferred interest if the promotional balance is not paid in full by the end of the period. There is generally no traditional sign-up bonus (e.g., points or miles) associated with this store card. Eligibility Requirements: Applicants must be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria. While store cards can be more accessible than general-purpose credit cards, a fair to good credit history is typically preferred for approval and the best promotional offers. Income verification may be required.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for a traditional sign-up bonus. Promotional financing terms apply to specific purchases and must be paid within the stated promotional period to avoid deferred interest.

Shutdown Risk Triggers: Common triggers for Synchrony account review or shutdown include: high cumulative credit exposure across multiple Synchrony accounts, missed or consistently late payments on any Synchrony account, rapid application for numerous Synchrony cards within a short period, significant changes in credit profile (e.g., bankruptcy, multiple new derogatory marks), or suspicious activity inconsistent with typical Bernina purchases.

Cliff Effect Rules: Not applicable. Synchrony store cards generally operate independently, and there are no 'card family' rules or restrictions on earning benefits across different Synchrony-issued store cards.

Special Events: Expect special financing promotions tied to Bernina product launches, seasonal sales events (e.g., Spring/Fall sales, Anniversary sales), in-store dealer events, and specific brand-wide promotions on sewing machines, sergers, embroidery machines, and accessories.

Holiday Promos: Key promotional periods typically align with major retail holidays and seasonal events, including: Black Friday/Cyber Monday (November-December), Christmas/New Year (December-January), Spring Sales (March-April), and Back-to-School/Fall Sales (August-September). Specific Bernina-centric events may also occur throughout the year.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Access to special financing offers for large purchases, no annual fee, exclusive cardholder discounts.

Top Negative:
High standard APR after promotional period, limited use to a single store, deferred interest can be costly if not paid in full.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Joann Credit Card
  • Synchrony HOME Credit Card
  • Capital One Platinum Secured Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2023-10