7
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 7 Total
PENDINGFinancing 7
Deferred Interest Financing (6 months)
6 months no interestNo interest will be charged on qualifying purchases if the promotional purchase is paid in full within 6 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Deferred Interest Financing (12 months)
12 months no interestNo interest will be charged on qualifying purchases if the promotional purchase is paid in full within 12 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Deferred Interest Financing (18 months)
18 months no interestNo interest will be charged on qualifying purchases if the promotional purchase is paid in full within 18 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Deferred Interest Financing (24 months)
24 months no interestNo interest will be charged on qualifying purchases if the promotional purchase is paid in full within 24 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Deferred Interest Financing (36 months)
36 months no interestNo interest will be charged on qualifying purchases if the promotional purchase is paid in full within 36 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Deferred Interest Financing (48 months)
48 months no interestNo interest will be charged on qualifying purchases if the promotional purchase is paid in full within 48 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Deferred Interest Financing (60 months)
60 months no interestNo interest will be charged on qualifying purchases if the promotional purchase is paid in full within 60 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
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 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Handi Quilter Credit Card, issued by Synchrony, primarily offers special promotional financing on qualifying purchases made at Handi Quilter locations or online. There is no traditional sign-up bonus in the form of points or cashback. Eligibility requirements for 2026 are expected to remain consistent with Synchrony's standard criteria: applicants must be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness standards (typically good to excellent credit for optimal promotional offers). Promotional financing offers (e.g., 0% APR for X months) are subject to specific minimum purchase amounts and may include deferred interest, meaning if the promotional balance is not paid in full by the end of the period, interest will be charged from the original purchase date.
Max Cards Per Issuer: 4
Min Spend Interval: N/A (Promotional financing applies to qualifying purchases, not a bonus spend requirement)
Cliff Effect Rules: Synchrony evaluates an applicant's overall credit relationship across all Synchrony-issued cards. While not a direct 'cliff effect' like some travel card families, having multiple Synchrony accounts or a high total credit limit with Synchrony can impact approval for new Synchrony cards, including this one, or lead to credit limit reductions on existing accounts. Each Synchrony card application is generally considered independently but within the context of the broader Synchrony portfolio.
Special Events: Promotional financing offers and special discounts are frequently tied to Handi Quilter's major product launches, annual quilting conventions (e.g., Quilt Market, Quilt Festival), brand-sponsored workshops, and specific in-store or online events throughout the year.
Holiday Promos: Expect enhanced promotional financing offers and potential discounts during major retail holiday periods such as Black Friday, Cyber Monday, Christmas/Year-End sales, and potentially seasonal sales (e.g., Spring/Summer quilting events) specific to the Handi Quilter brand.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy approval for store-specific purchases, beneficial promotional financing offers, and a good option for building credit.
Top Negative:
High regular APR after promotional periods, limited use outside Handi Quilter, and potential for deferred interest if balances aren't paid in full.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Hobby Lobby Credit Card
- Joann Credit Card
- Discover it Cash Back
Card Value Score: 60.0 / 100
Est. Annual Rewards: $25.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: Oct 27, 2023 03:30