7
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGProgram ID: bernina-sewing-more-credit-card
Issuer: Synchrony
Card Name: BERNINA Sewing & More Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony offers benefits under the Servicemembers Civil Relief Act (SCRA), including an interest rate reduction to 6% APR for eligible accounts opened prior to active duty.
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 7 Total
PENDINGShopping 7
6 Months Special Financing
6 months on purchases of $250 or moreNo interest if paid in full within 6 months on qualifying purchases of $250 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 months.
12 Months Special Financing
12 months on purchases of $500 or moreNo interest if paid in full within 12 months on qualifying purchases of $500 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months.
18 Months Special Financing
18 months on purchases of $1,000 or moreNo interest if paid in full within 18 months on qualifying purchases of $1,000 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 18 months.
24 Months Special Financing
24 months on purchases of $2,000 or moreNo interest if paid in full within 24 months on qualifying purchases of $2,000 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 24 months.
36 Months Special Financing
36 months on purchases of $3,000 or moreNo interest if paid in full within 36 months on qualifying purchases of $3,000 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 36 months.
48 Months Special Financing
48 months on purchases of $4,000 or moreNo interest if paid in full within 48 months on qualifying purchases of $4,000 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 48 months.
60 Months Special Financing
60 months on purchases of $5,000 or moreNo interest if paid in full within 60 months on qualifying purchases of $5,000 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 60 months.
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 |
| 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
Intro APR Offers
Promo Financing: Special Financing
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Bernina Sewing More Credit Card, issued by Synchrony, primarily offers promotional financing options rather than traditional sign-up bonuses. Typical 'bonus' rules include deferred interest financing (e.g., 0% APR for 6, 12, or 18 months) on qualifying purchases above a specified minimum amount made within a promotional period. Eligibility requirements for application generally include: being at least 18 years of age (19 in AL/NE), a valid U.S. Social Security Number or ITIN, a U.S. residential address, and sufficient verifiable income. Approval is subject to a credit check, typically requiring fair to good credit, and a review of the applicant's credit history, including no recent bankruptcies or severe delinquencies.
Max Cards Per Issuer: 7
Min Spend Interval: Not applicable for a traditional bonus. Promotional financing terms apply to specific purchases made within defined promotional periods, not a general spend interval for a sign-up bonus.
Cliff Effect Rules: Not applicable. Synchrony store cards generally operate independently; there are no known 'card families' or 'cliff effects' that impact eligibility or benefits across multiple Synchrony store card products.
Special Events: Bernina-specific sales events, new product launches, sewing machine trade-in promotions, exclusive cardholder-only discounts, and special financing offers tied to specific product categories or purchase thresholds.
Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, Back-to-School, and Bernina's anniversary sales.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Easy approval, special financing offers for large purchases, helps build credit.
Top Negative:
High deferred interest APR, limited use, potential customer service issues.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Synchrony HOME Credit Card
- Capital One Platinum Secured Credit Card
- Discover it Secured Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: January 2024