8
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: Purchases at Bernina Sewing & More
Quarterly Rotating: No
Expiration Policy: Points expire 24 months from the date they are earned.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Rewards must be redeemed in increments of $10.
Benefits & Protections (Detailed) 8 Total
PENDINGFinancial 1
No Annual Fee
$0The BERNINA Sewing & More Mastercard does not charge an annual fee for card membership.
Purchase Protection 2
Extended Warranty
Up to 1 additional yearDoubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when the item is purchased entirely with the Mastercard.
Purchase Protection
Varies by claim, typically up to 90-120 daysReimburses cardholders for eligible items purchased with the Mastercard that are damaged or stolen within a specified period (e.g., 90-120 days) from the date of purchase.
Security 2
Zero Liability Protection
Full protectionProtects cardholders from unauthorized purchases made with their card. Cardholders are not held responsible for unauthorized transactions.
ID Theft Protection
Identity theft resolution servicesProvides identity theft resolution services, including monitoring for suspicious activity and assistance with restoring identity if theft occurs.
Travel Assistance 1
Mastercard Global Service
24/7 assistanceProvides 24/7 emergency assistance for card-related issues, including lost or stolen card reporting, emergency card replacement, and emergency cash advance.
Travel Insurance 2
Car Rental Collision Damage Waiver
Secondary coverageProvides secondary coverage for physical damage and theft of most rental vehicles when the eligible rental is paid for entirely with the Mastercard and the cardholder declines the rental company's collision damage waiver.
Travel Accident Insurance
Varies by policyProvides coverage for accidental death or dismemberment when traveling on a common carrier (e.g., plane, train, bus, ship) and the entire fare is paid for with the Mastercard.
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 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Bernina Sewing More Mastercard (2026) typically requires applicants to be at least 18 years of age, a U.S. resident, and possess a valid Social Security Number or ITIN. While Synchrony store cards can sometimes be approved with fair credit, the Mastercard designation generally implies a requirement for good to excellent credit (FICO score 670+). Application rules are less rigid than some prime issuers; Synchrony does not have a strict '5/24' equivalent. However, a high number of recent credit inquiries or new accounts across all issuers, or a high existing credit exposure with Synchrony, may lead to denial. The primary bonus rule for this card is projected to be a first-purchase discount (e.g., 10-20% off up to a certain amount) or a small statement credit (e.g., $50-$100) after meeting a modest spend threshold within the initial months. These bonuses are typically one-time per account.
Max Cards Per Issuer: 5
Min Spend Interval: 90 days
Cliff Effect Rules: Synchrony does not typically enforce 'card family' or 'once-per-lifetime' rules in the same manner as some major issuers. However, eligibility for sign-up bonuses or promotional offers may be restricted if the applicant has held the exact same card product within a recent timeframe (e.g., 12-24 months) or has recently received a similar bonus from a Synchrony-issued card.
Special Events: Expect exclusive financing offers (e.g., 0% APR for 6, 12, or 18 months on qualifying Bernina purchases), special discounts during Bernina's anniversary sales, new product launches, and seasonal promotions (e.g., Spring Sewing Event, Holiday Crafting Sale). Cardholders may receive early access to sales or exclusive in-store events.
Holiday Promos: Key promotional periods include Black Friday/Cyber Monday (November-December), Spring Sales (March-April), Summer Sales (June-July), Back-to-School/Fall Crafting (August-September), and Bernina-specific national events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Special financing offers are great for large Bernina purchases. Earning extra points on Bernina, gas, and groceries is a nice perk. Helps make expensive sewing machines more accessible.
Top Negative:
High interest rates if promotional financing is not paid off in time. Customer service can be difficult to deal with. Rewards are primarily useful for Bernina purchases, limiting general value.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Amazon Prime Rewards Visa Signature Card
- Joann Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $140.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 03/24