Jared The Galleria of Jewelry Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: jared-the-galleria-of-jewelry-credit-card

Issuer: Synchrony

Card Name: Jared The Galleria of Jewelry Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:55

Last Scraped: Feb 15, 2026 16:05

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony complies with the Servicemembers Civil Relief Act (SCRA). Eligible active duty servicemembers may qualify for a 6% APR interest rate cap on balances incurred prior to their active duty start date.

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
Convenience 1
Online Account Management

Manage your Jared Credit Card account conveniently online, including viewing statements, making payments, and updating personal information through Synchrony's online portal.

Financial 1
No Annual Fee
$0

The Jared Credit Card does not charge an annual fee for card membership.

Shopping 2
Special Financing Offers
Varies by offer

Access to special financing options on qualifying purchases made with the Jared Credit Card. Specific terms and conditions, including minimum purchase amounts and promotional periods, apply to each financing offer.

Exclusive Cardholder Offers
Varies by offer

Receive exclusive discounts, promotions, and special offers available only to Jared Credit Cardholders.

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
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No Interest if paid in full within 6, 12, 18, 24, 36, 48 or 60 months on qualifying purchases. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required. See card agreement for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The primary 'bonus' for the Jared card is access to special promotional financing offers, such as 0% APR for a specified period (e.g., 6, 12, 18, 24, 36 months) on qualifying purchases, often with minimum spend requirements (e.g., $500, $1000, $2000+). These offers vary and are subject to change, typically involving deferred interest if the balance isn't paid in full by the end of the promotional period. Eligibility requirements for application include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a verifiable income. Approval is subject to creditworthiness, generally requiring fair to good credit. Synchrony assesses overall credit profile, existing Synchrony accounts, and debt-to-income ratio.

Min Spend Interval: Not applicable for a traditional sign-up bonus. Promotional financing offers have specific purchase amount thresholds and repayment periods (e.g., 'pay in full within 12 months for 0% APR').

Shutdown Risk Triggers: Missed payments, consistent late payments, defaulting on other Synchrony accounts, exceeding credit limits, suspected fraudulent activity, or a significant deterioration in overall credit profile (e.g., bankruptcy, high debt-to-income ratio). While not a direct shutdown trigger, high cumulative credit limits across multiple Synchrony accounts can lead to lower new credit limits or denials for additional credit.

Cliff Effect Rules: Not applicable. This is a store-specific credit card and does not belong to a broader 'card family' with inter-card restrictions or benefits.

Special Events: Jared's card often features enhanced promotional financing or exclusive discounts during specific store-wide sales events, new collection launches, or customer appreciation days. These are typically advertised directly by Jared.

Holiday Promos: Expect heightened promotional financing offers and special discounts during major gift-giving holidays such as Valentine's Day, Mother's Day, Father's Day, Black Friday/Cyber Monday, and the entire December holiday shopping season.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Good for financing large jewelry purchases, special discounts and promotions for Jared customers, helps build credit for those with fair credit.

Top Negative:
Very high interest rates, limited use outside Jared stores, customer service can be difficult, deferred interest can be tricky if not paid in full.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One SavorOne Cash Rewards Credit Card
  • Discover it Secured Credit Card
  • Wells Fargo Reflect Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0