Jessica London Credit Card

Synchrony Pending

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4

Benefits

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Basic Information
PENDING

Program ID: jessica-london-credit-card

Issuer: Synchrony

Card Name: Jessica London Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:49

Last Scraped: Feb 17, 2026 04:50

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers eligible servicemembers and their dependents an interest rate reduction to 6% on eligible accounts opened prior to active duty, and protection from default judgments under the SCRA.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The Jessica London Credit Card does not charge an annual fee.

Shopping 3
First Purchase Discount
15% off

Receive 15% off your first purchase when you open and use your new Jessica London Credit Card.

Birthday Offer
Special discount/offer

Receive a special discount or offer during your birthday month as a Jessica London Credit Card cardholder.

Exclusive Cardholder Promotions
Exclusive access to promotions

Access to special promotions, sales, and discounts available only to Jessica London Credit Card cardholders throughout the year.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: None
Cash Advance: None
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
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: The Jessica London Credit Card, issued by Synchrony, typically offers a welcome bonus such as a percentage discount (e.g., 20%) on the first purchase made with the card, or a fixed dollar amount off a qualifying purchase. Cardholders may also be eligible for special financing offers (e.g., 0% APR for 6 or 12 months on purchases over a specified amount). Eligibility requirements for 2026 are expected to include: being at least 18 years of age, having a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), a U.S. mailing address, and a satisfactory credit history. Synchrony generally looks for applicants with fair to good credit, though store cards can sometimes be approved with slightly lower scores.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for primary welcome offer; immediate discount on first purchase.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive applications for Synchrony products within a short timeframe, missed payments, suspected fraudulent activity, defaulting on any Synchrony-issued account, or significant changes in spending patterns inconsistent with typical store card usage.

Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' rules for store cards that prevent bonuses based on prior card ownership. However, overall credit exposure with Synchrony and the number of recently opened Synchrony accounts can impact approval for new credit products or credit limit increases.

Special Events: Exclusive cardholder discounts, birthday rewards, early access to sales events, tiered spending rewards programs, and special financing promotions on large purchases.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Mother's Day, Memorial Day, Labor Day, Back-to-School, and other seasonal sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for store loyalists, exclusive discounts and savings events, special birthday offers, no annual fee.

Top Negative:
High APR, limited use outside the store, customer service issues, difficulty with credit limit increases.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Store Card
  • Target RedCard
  • Capital One Platinum Secured

Card Value Score: 55.0 / 100

Est. Annual Rewards: $80.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0