Johnson Jewelers Credit Card

Synchrony Pending

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4

Benefits

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Basic Information
PENDING

Program ID: johnson-jewelers-credit-card

Issuer: Synchrony

Card Name: Johnson Jewelers Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:58

Last Scraped: Feb 17, 2026 05:00

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with the Servicemembers Civil Relief Act (SCRA), offering eligible Servicemembers an interest rate reduction to 6% on certain pre-service obligations.

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Lifestyle 1
Convenient Monthly Payments

The ability to make manageable monthly payments on purchases made with the Johnson Jewelers credit card.

Security 1
Online Account Management

Access to an online portal to securely manage the credit card account, view statements, make payments, and update personal information.

Shopping 2
Special Financing Options
Varies by promotion (e.g., 6, 12, 18 months)

Access to promotional financing offers, which may include deferred interest or equal monthly payment plans for qualifying purchases made at Johnson Jewelers with the credit card.

Exclusive Cardholder Offers
Varies by offer

Access to special promotions, discounts, and events available only to Johnson Jewelers 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: $30.00
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers

Promo Financing: Special Financing

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 Johnson Jewelers Credit Card, issued by Synchrony, is a store-specific financing option. For 2026, eligibility requirements are expected to remain standard: applicants must be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and pass Synchrony's credit underwriting criteria. The card typically does not offer a traditional sign-up bonus but provides promotional financing offers, such as deferred interest (e.g., 0% APR for 6, 12, 24, or 36 months) on qualifying purchases. To avoid all accrued interest from the purchase date, the full promotional balance must be paid off by the end of the promotional period. These offers are subject to specific minimum purchase amounts and are exclusively for use at Johnson Jewelers locations and its online store. Rules are subject to change by Synchrony and Johnson Jewelers.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for traditional bonus; promotional financing terms apply to specific purchases made within a defined period (e.g., 'today' or 'within X days of account opening') and require full payment by the promotional end date.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, missed payments or defaults on any Synchrony account, suspicious or fraudulent activity, rapid application for multiple Synchrony cards (app-o-rama), failure to adhere to promotional financing terms (e.g., not paying off deferred interest balance), excessive returns or chargebacks.

Cliff Effect Rules: Synchrony does not typically have 'cliff effect' rules like Chase's 5/24. However, approvals for new Synchrony cards are heavily influenced by the applicant's total credit exposure across all existing Synchrony accounts. As total credit extended increases, it can become more challenging to be approved for new cards or receive higher credit limits on new applications.

Special Events: Exclusive cardholder-only sales events, anniversary sales for Johnson Jewelers, special financing offers for high-value purchases (e.g., engagement rings, custom jewelry), private shopping events, and loyalty rewards programs.

Holiday Promos: Valentine's Day (January-February), Mother's Day/Graduation (April-May), Wedding Season (Spring/Summer), Black Friday/Cyber Monday (November), Christmas/Holiday Season (November-December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Easy financing options; Special discounts for cardholders; Helped make a large purchase affordable.

Top Negative:
High APR outside of promotional periods; Limited use outside the store; Customer service issues.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Synchrony HOME Credit Card
  • Chase Freedom Unlimited
  • Wells Fargo Reflect Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0