Christian Bernard Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: christian-bernard-credit-card

Issuer: Synchrony

Card Name: Christian Bernard Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 17:50

Last Scraped: Feb 16, 2026 17:52

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides benefits under the Servicemembers Civil Relief Act (SCRA) for eligible active-duty military members, including a 6% APR cap on pre-service obligations, protection from default judgments, and other financial relief.

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING

Quarterly Rotating: No

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
$0

There is no annual fee charged for maintaining the Christian Bernard Credit Card account.

Lifestyle 1
Online Account Management
24/7 access

Cardholders can conveniently manage their account online 24/7, including viewing statements, making payments, and updating personal information through Synchrony's online portal.

Shopping 2
Special Financing Offers
Varies by promotion

Cardholders may receive promotional financing options on qualifying purchases made at Christian Bernard, allowing for deferred interest or interest-free periods if paid in full by the promotional end date. Specific terms and availability vary by promotion.

Exclusive Cardholder Promotions
Varies

Cardholders are eligible for special discounts, exclusive offers, and early access to sales and events specifically for Christian Bernard credit card members.

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
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ 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. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
Not specified
Not specified
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Christian Bernard Credit Card requires applicants to be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria, typically fair to good credit for store cards. New cardholders for 2026 are expected to receive a 15% discount on their first Christian Bernard purchase made within 30 days of account opening, or access to special promotional financing offers on qualifying purchases. Card usage is primarily restricted to Christian Bernard retail locations and their online store.

Max Cards Per Issuer: 6

Min Spend Interval: 30 days for initial purchase discount; 3 months for any potential tiered spend bonuses.

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), rapid accumulation of multiple Synchrony accounts, high cumulative credit limit across Synchrony products, excessive returns, suspicious account activity, consistent late payments, or abuse of promotional financing terms.

Cliff Effect Rules: Synchrony does not typically operate with traditional 'card family' rules like some major issuers. However, applying for multiple Synchrony-issued store cards can lead to a cumulative credit limit that may impact approval for additional Synchrony products, even if they are for different retailers.

Special Events: Exclusive cardholder-only sales events, double rewards points days, or enhanced promotional financing offers during specific Christian Bernard promotional periods.

Holiday Promos: Enhanced promotional financing or bonus rewards during major retail holidays such as Black Friday, Cyber Monday, Christmas, Valentine's Day, and Mother's Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Users appreciate the special financing options and discounts available for Christian Bernard purchases, making luxury items more accessible.

Top Negative:
Common complaints include high standard APRs after promotional periods, limited utility outside Christian Bernard stores, and occasional issues with customer service.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Kay Jewelers Credit Card
  • Jared The Galleria of Jewelry Credit Card
  • Synchrony Premier World Mastercard

Card Value Score: 55.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0