1
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 1 Total
PENDINGFinancing 1
Access to Special Financing Offers
Varies by promotional offerCardholders can access special financing promotions on eligible Janome purchases, allowing them to pay over time. Specific terms, such as deferred interest or promotional APRs, vary by offer and are subject to credit approval and minimum monthly payments.
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 |
Interest Rates & APR
PENDINGStandard APR
Intro APR Offers
Promo Financing: Special Financing
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Janome Sewing More Credit Card, issued by Synchrony, is a store-specific credit card primarily designed for purchases at Janome retailers. For 2026, typical application eligibility requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number or ITIN, and have a satisfactory credit history. While traditional sign-up bonuses are rare for store cards, new cardholders may receive an introductory discount (e.g., 10-15% off their first Janome purchase) or special promotional financing offers (e.g., 0% APR for 6-12 months on qualifying purchases). These promotional financing offers typically require minimum purchase amounts and timely payments to avoid deferred interest.
Max Cards Per Issuer: 7
Min Spend Interval: N/A for traditional bonus spend; immediate for first purchase discount if offered.
Cliff Effect Rules: Synchrony does not typically have 'cliff effect' rules like those seen with premium travel card families (e.g., once-per-lifetime bonuses). However, approval for new Synchrony cards and credit limit increases are heavily influenced by the applicant's overall credit exposure with Synchrony and their payment history across all Synchrony accounts.
Special Events: Cardholders can expect exclusive promotions during Janome's seasonal sales events (e.g., Spring Sale, Fall Festival), new product launches, and potentially during store anniversary celebrations. These often include enhanced financing options, additional discounts, or bonus reward points on Janome purchases.
Holiday Promos: Special financing offers and discounts are frequently available during major retail holiday periods such as Black Friday, Cyber Monday, Christmas/New Year, Memorial Day, Labor Day, and 4th of July.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy financing for Janome purchases; frequent promotional offers like deferred interest; good for building credit.
Top Negative:
High standard APR after promotional period; limited use outside Janome stores; customer service can be slow; credit limit often low.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Synchrony HOME Credit Card
- Amazon Store Card
- Capital One Platinum Secured Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $35.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2024-01
Last Updated: Jan 01, 2024 00:00