Janome Credit Card

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: janome-credit-card

Issuer: Synchrony

Card Name: Janome Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:40

Last Scraped: Feb 17, 2026 04:42

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

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x Janome Purchases

Quarterly Rotating: No

Expiration Policy: Points expire 36 months (3 years) from the date they are earned if not redeemed.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Points are only redeemable for Janome merchandise, accessories, and services.

Benefits & Protections (Detailed) 2 Total
PENDING
Financing 2
Promotional Financing - 6 Months No Interest
6 months no interest on purchases $299+

No interest will be charged on qualifying purchases of $299 or more if 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 6 months.

Promotional Financing - 12 Months No Interest
12 months no interest on purchases $299+

No interest will be charged on qualifying purchases of $299 or more if 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 12 months.

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
Min Interest Charge: $2.00
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%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ 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. The deferred interest will be charged to your account if you do not pay the promotional purchase in full within 6 or 12 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Janome Credit Card requires applicants to be at least 18 years old, 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). Applicants may be ineligible if they have a history of default with Synchrony or have been previously banned. For 2026, new cardholders are anticipated to receive a bonus such as a 15% discount on their first Janome purchase made within 30 days of account opening, or special promotional financing (e.g., 0% APR for 12 months) on qualifying Janome purchases over a specified amount (e.g., $499). Applications are typically processed online via Janome's website or in-store, often with instant decisioning.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional spend bonus; promotional financing terms apply to qualifying purchases. First-purchase discounts are immediate.

Shutdown Risk Triggers: Manufactured spending (less common for store cards but still a risk), high cumulative credit limit across all Synchrony accounts relative to income, opening too many Synchrony accounts in a short period, abuse of promotional financing offers (e.g., making minimum payments on 0% APR offers with no intent to pay off, then defaulting), significant derogatory changes to credit report (e.g., bankruptcy, multiple late payments), fraudulent activity or suspicious transaction patterns, and repeatedly returning items purchased with promotional financing after the financing period ends.

Cliff Effect Rules: Synchrony does not typically enforce direct 'card family' cliff effects like some major issuers. However, your overall credit exposure with Synchrony (total credit limits across all Synchrony cards) and the number of recently opened Synchrony accounts will significantly influence approval for new Synchrony products. High existing exposure can lead to denials or lower starting credit limits for new applications.

Special Events: Exclusive cardholder sales events (e.g., 'Janome VIP Days'), double points/rewards days, birthday discounts, early access to new Janome product launches or seasonal collections, and special financing offers during specific crafting seasons (e.g., holiday sewing projects, quilting retreats, fabric sales).

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, Back-to-School (for crafting supplies), Memorial Day, Labor Day, and potentially specific crafting-related holidays or seasonal sales (e.g., 'National Sewing Month' in September).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Customers appreciate the special financing offers, making large purchases like sewing machines more affordable. The application process is generally quick and straightforward.

Top Negative:
Common complaints include high interest rates if promotional periods are missed, limited utility outside of Janome purchases, and occasional issues with Synchrony customer service.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited (for general spending and potential 0% APR offers)
  • Citi Custom Cash Card (for 5% back on top spend category)
  • Another store-specific financing option for home goods or crafts

Card Value Score: 45.0 / 100

Est. Annual Rewards: $10.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 01/2023