Fred Meyer Jewelers Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: fred-meyer-jewelers-platinum-preferred-credit-card

Issuer: Synchrony

Card Name: Fred Meyer Jewelers Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:58

Last Scraped: Feb 16, 2026 19:01

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) 4 Total
PENDING
Financial 1
No Annual Fee
$0

Cardholders are not charged an annual fee for maintaining the credit card account.

Security 1
Online Account Management
N/A

Cardholders can conveniently manage their account online, including viewing statements, making payments, and updating personal information securely.

Shopping 2
Special Financing Options
Varies by promotion

Access to special financing promotions on qualifying purchases made at Fred Meyer Jewelers, allowing for deferred interest or interest-free periods if paid in full within the promotional term.

Exclusive Cardholder Offers
Varies by offer

Cardholders receive access to special promotions, discounts, and sales events exclusively available to Fred Meyer Jewelers 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
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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

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 or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Supported
Application Process
Available
Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Fred Meyer Jewelers Platinum Preferred Credit Card, issued by Synchrony, is primarily designed for purchases at Fred Meyer Jewelers locations and online. For 2026, eligibility requirements are expected to remain consistent: applicants must be at least 18 years old (19 in AL and NE), possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), have a verifiable U.S. mailing address, and demonstrate sufficient income, all subject to credit approval. This card typically does not offer a traditional sign-up bonus (e.g., spend X, get Y points/cash back). Instead, its primary 'bonus' rules revolve around promotional financing offers, such as deferred interest (0% APR) for specific periods (e.g., 6, 12, 18, or 24 months) on qualifying purchases, often with minimum spend requirements. Specific promotional terms will vary by offer and time of year.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional sign-up bonuses; promotional financing terms vary by offer and typically require payment within the promotional period to avoid accrued interest.

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), excessive credit seeking across Synchrony's portfolio, high cumulative credit limit across all Synchrony accounts relative to income, missed payments or delinquency on any Synchrony account, abuse of promotional financing terms (e.g., consistently failing to pay off deferred interest balances), suspicious or fraudulent activity, and significant negative changes in credit profile (e.g., bankruptcy).

Cliff Effect Rules: Synchrony generally does not have complex 'card family' bonus restrictions like major issuers. However, past negative account history with Synchrony (e.g., defaults, late payments, account closures for cause) can significantly impact eligibility for new accounts or future promotional financing offers across their entire portfolio.

Special Events: Expected special events for 2026 include Valentine's Day, Mother's Day, Father's Day, Graduation season, Anniversary Sales, and various seasonal promotions (e.g., Spring, Summer, Fall, Winter collections). These events often feature enhanced financing offers or exclusive discounts for cardholders.

Holiday Promos: Key holiday promotional periods for 2026 will include Valentine's Day (January-February), Mother's Day (April-May), Father's Day (May-June), Back-to-School/Graduation (July-August), Black Friday/Cyber Monday (November), and the broader Christmas/Holiday Shopping Season (November-December). These periods are prime times for special financing and cardholder-exclusive deals.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Special financing options for large purchases, exclusive discounts and promotions at Fred Meyer Jewelers, easy application process.

Top Negative:
High APR outside of promotional periods, limited use outside of Fred Meyer Jewelers, customer service issues reported by some users.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Kohl's Charge
  • Target RedCard
  • Capital One Platinum Secured Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: February 2024