BERNINA Credit Card

Synchrony Pending

Back Apply Now

1

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: bernina-of-america-credit-card

Issuer: Synchrony

Card Name: BERNINA Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 16:44

Last Scraped: Feb 16, 2026 16:46

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers eligible active duty Servicemembers and their dependents benefits under the Servicemembers Civil Relief Act (SCRA), potentially reducing interest rates to 6% for obligations incurred prior to service. For credit extended on or after October 3, 2017, eligible covered borrowers may have their interest rate capped at 36% under the Military Lending Act (MLA).

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
Financing 1
Special Financing Offers
Varies by promotion

Cardholders can access special financing promotions on eligible purchases made with the BERNINA of America Credit Card at participating BERNINA retailers. These offers are subject to credit approval and may include deferred interest or promotional APRs, varying by specific promotion.

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
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If the promotional purchase is not paid in full by the promotional period expiration date, interest will be charged to your account from the purchase date at the APR for Purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Not specified
Application Process
Not specified
Not specified
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Bernina of America Credit Card, issued by Synchrony, primarily offers special financing promotions rather than traditional sign-up bonuses. Eligibility requirements for 2026 include being at least 18 years old (19 in AL/NE), a US resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), a valid government-issued photo ID, and a verifiable income. Approval is subject to creditworthiness, typically requiring fair to good credit. Promotional financing offers (e.g., 0% APR for X months on qualifying purchases over a specific amount) are subject to change and are generally advertised at the point of sale or on Bernina's official channels. These offers are tied to specific purchases made at Bernina of America stores or authorized dealers.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional sign-up bonuses; promotional financing is tied to specific purchases at the time of transaction.

Shutdown Risk Triggers: Manufactured spending (less common for store cards but a general trigger), high cumulative credit limit across Synchrony accounts, rapid application for multiple Synchrony cards, missed payments, high utilization, suspected fraudulent activity, or abuse of promotional financing terms.

Cliff Effect Rules: Not applicable. Synchrony store cards are generally standalone products without a 'card family' structure that impacts eligibility or benefits across multiple cards.

Special Events: Bernina-specific sales events (e.g., anniversary sales, new product launches, sewing expos), seasonal promotions (e.g., spring sewing events, summer crafting workshops), and exclusive cardholder-only offers or early access to sales.

Holiday Promos: Black Friday/Cyber Monday, Christmas/New Year's, Mother's Day, Father's Day, Back-to-School (for craft/hobby supplies), and other major US holidays often associated with retail sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, useful for special financing on large purchases, helps manage budget for expensive hobby items.

Top Negative:
High interest rates if special financing terms are not met, limited use outside of Bernina stores, customer service can be difficult.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Hobby Lobby Credit Card
  • Citi Double Cash Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0