The Jewelry Exchange Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

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Max Reward

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APR From
Basic Information
PENDING

Program ID: jewelry-exchange-store-card

Issuer: Synchrony

Card Name: The Jewelry Exchange Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:55

Last Scraped: Feb 17, 2026 04:56

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
Benefits & Protections (Detailed) 4 Total
PENDING
Financing 4
Special Financing Offer: 0% APR for 6 Months
0% APR for 6 Months

No interest if paid in full within 6 months on qualifying purchases made with the Jewelry Exchange Store Card. Minimum purchase required. Subject to credit approval. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.

Special Financing Offer: 0% APR for 12 Months
0% APR for 12 Months

No interest if paid in full within 12 months on qualifying purchases made with the Jewelry Exchange Store Card. Minimum purchase required. Subject to credit approval. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.

Special Financing Offer: 0% APR for 18 Months
0% APR for 18 Months

No interest if paid in full within 18 months on qualifying purchases made with the Jewelry Exchange Store Card. Minimum purchase required. Subject to credit approval. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.

Special Financing Offer: 0% APR for 24 Months
0% APR for 24 Months

No interest if paid in full within 24 months on qualifying purchases made with the Jewelry Exchange Store Card. Minimum purchase required. Subject to credit approval. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.

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

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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: $30.00
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: The 'jewelry-exchange-store-card' from Synchrony primarily offers special financing promotions rather than traditional sign-up bonuses. Eligibility for 2026 requires applicants to be 18 years or older (19 in AL/NE), a US resident with a valid SSN or ITIN, and possess a satisfactory credit history as determined by Synchrony Bank's underwriting criteria. Approval is subject to creditworthiness, income verification, and existing credit obligations. Promotional financing terms (e.g., 0% APR for X months on qualifying purchases) are the main incentive, typically requiring a minimum purchase amount. Standard APR applies after the promotional period if the balance is not paid in full.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional bonus spend. Promotional financing offers typically apply to qualifying purchases made immediately or within a specified promotional window, not tied to a cumulative spend over an interval.

Shutdown Risk Triggers: Common triggers for account shutdown or adverse action include: consistent missed or late payments, high credit utilization across Synchrony accounts, opening an excessive number of Synchrony accounts in a short timeframe ('credit seeking' behavior), significant derogatory marks on credit report (e.g., bankruptcy, charge-offs), suspected fraudulent activity, or prolonged inactivity leading to account closure.

Cliff Effect Rules: Not applicable. Synchrony store cards are generally standalone products without 'card family' restrictions or upgrade/downgrade paths that impact eligibility for other Synchrony store cards.

Special Events: The Jewelry Exchange frequently runs in-store and online promotions tied to specific product categories, seasonal sales (e.g., Valentine's Day, Mother's Day, Black Friday), and store anniversary events. These often include enhanced financing offers, direct discounts, or bonus rewards for cardholders.

Holiday Promos: Key holiday promotional periods include Valentine's Day (Jan-Feb), Mother's Day (Apr-May), Graduation Season (May-Jun), Black Friday/Cyber Monday (Nov), and the entire Winter Holiday Season (Nov-Dec). Special financing and discounts are common during these times.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Offers special financing for jewelry purchases; provides a way to make large purchases affordable; can help build credit for some users.

Top Negative:
High deferred interest rates if balance not paid in full by promotion end; limited use outside The Jewelry Exchange; customer service can be challenging.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Card
  • CareCredit Card
  • Amazon Store Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0