Jared The Galleria Of Jewelry Credit Card
Basic Information
Program ID: jared-the-galleria-of-jewelry-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier:
Data Complete: Yes
Created: 01/10/2026 08:55
Last Scraped: 01/15/2026 09:21
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Discount applied at point of sale for qualifying first purchase, or as a statement credit within 1-2 billing cycles after the first purchase posts.
Rewards Program
Reward Type: Special Financing & Cardholder Benefits
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - The Jared credit card primarily offers special financing options on qualifying purchases made at Jared The Galleria of Jewelry and its affiliates. It does not feature a points-based rewards program for general spending or bonus categories.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - This card does not offer a points-based rewards program. Special financing terms apply to promotional balances, and deferred interest may be charged if the promotional balance is not paid in full by the end of the promotional period.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Eligibility for the Jared The Galleria Of Jewelry Credit Card requires applicants to be 18 years or older, a U.S. resident with a valid Social Security Number, and possess a satisfactory credit history as determined by Synchrony Bank. Applications are processed online or in-store, subject to Synchrony Bank's credit underwriting standards. This card primarily offers special financing promotions (e.g., 0% APR for a set period on qualifying purchases) rather than traditional sign-up bonuses. These promotional offers are subject to specific terms, including minimum purchase amounts and deferred interest clauses, meaning if the promotional balance is not paid in full by the end of the specified period, interest will be charged from the original purchase date.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Not applicable for a traditional sign-up bonus. Promotional financing offers typically require the qualifying purchase to be made within a specific timeframe (e.g., 'today' or 'within 30 days') and the balance paid in full within the promotional period (e.g., '6, 12, 18, 24, 36 months') to avoid deferred interest.
Shutdown Risk Triggers: Common triggers for account shutdown or adverse action include: missed or late payments, high credit utilization across Synchrony accounts, opening too many credit accounts with Synchrony in a short period (indicating high credit seeking behavior), suspected fraudulent activity, significant negative changes in credit profile (e.g., bankruptcy, multiple new delinquencies), or abuse of promotional financing terms (e.g., frequent large returns after promotional periods to avoid interest).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Access to special financing offers and exclusive discounts at Jared, often with a relatively easy approval process for those building credit.
Top Negative Feedback:
High standard APR, complex deferred interest terms, limited utility outside Jared, and occasional customer service issues.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Kay Jewelers Credit Card
- Wells Fargo Reflect® Card
- Discover it® Secured Credit Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 24 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0