JTV Preferred Account

Synchrony Pending

Back Apply Now

4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: jtv-preferred-account

Issuer: Synchrony

Card Name: JTV Preferred Account

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:02

Last Scraped: Feb 17, 2026 05:04

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides protections under the Servicemembers Civil Relief Act (SCRA) for active duty Servicemembers and their dependents. Contact 1-866-893-7864 for more information.

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
Financial 1
No Annual Fee
$0 annual fee

The JTV Preferred Account does not charge an annual fee for maintaining the account.

Security 1
Online Account Management

Conveniently manage your JTV Preferred Account online, including viewing statements, making payments, and checking your balance.

Shopping 2
Special Financing Offers
Varies by promotion

Access to promotional financing offers on qualifying purchases made at JTV, allowing cardholders to pay over time with special terms.

Exclusive Cardholder Offers
Varies by offer

Access to special discounts, promotions, and sales available only to JTV Preferred Account 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

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not Available
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: The JTV Preferred Account is a store-specific credit card issued by Synchrony. Eligibility for 2026 requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident, possess a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria. While store cards can be more accessible, a fair to good credit score is generally recommended for approval. There is no traditional sign-up bonus; instead, primary benefits include promotional financing offers (e.g., 0% APR for a specified period on qualifying JTV purchases) and exclusive cardholder discounts or early access to JTV sales events. Synchrony is known to be sensitive to recent credit inquiries and new account openings; applying for multiple Synchrony cards within a short timeframe (e.g., 30-60 days) may lead to denials.

Max Cards Per Issuer: 4

Min Spend Interval: Not applicable for a traditional sign-up bonus. Benefits are typically promotional financing offers or discounts applied at the point of sale, which do not require a separate minimum spend interval.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, rapid application for numerous Synchrony cards within a short timeframe (e.g., 30-60 days), missed payments, high utilization on Synchrony accounts, suspected fraudulent activity, or significant adverse changes in credit profile (e.g., bankruptcy, multiple new derogatory marks).

Cliff Effect Rules: Not applicable. Synchrony store cards are generally independent. Eligibility for promotional offers or discounts is typically tied to the specific card and current JTV promotions, not a 'card family' structure.

Special Events: JTV-specific sales events (e.g., Gemstone & Jewelry Shows, Clearance Events, Anniversary Sales), seasonal promotions (e.g., Spring/Summer/Fall collections), and exclusive cardholder-only events or early access to sales.

Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Valentine's Day, Mother's Day, Father's Day, and other national holidays where JTV typically runs sales and special financing offers.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval for JTV shoppers, special financing options available, exclusive discounts for loyal customers.

Top Negative:
High standard APR, deferred interest can be tricky, limited use outside JTV, customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Store Card
  • Capital One Platinum Secured
  • Discover it Secured

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: 2024-03-01