The Kay Jewelers Credit Card

Synchrony Pending

Back Apply Now

6

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: kay-jewelers-credit-card

Issuer: Synchrony

Card Name: The Kay Jewelers Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:57

Last Scraped: Feb 15, 2026 16:07

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony is committed to complying with the Military Lending Act (MLA) and the Servicemembers Civil Relief Act (SCRA). Eligible active duty Servicemembers may have their interest rate reduced to 6% under SCRA.

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) 6 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

There is no annual fee charged for maintaining the Kay Jewelers Credit Card account.

Lifestyle 2
Birthday Offer
Varies

Receive a special promotional offer during your birthday month.

Anniversary Offer
Varies

Receive a special promotional offer during your account anniversary month.

Shopping 3
Special Financing Offers
Varies by promotion

Access to promotional financing options on qualifying purchases made at Kay Jewelers. Specific terms (e.g., deferred interest, 0% APR) apply and vary by promotion.

Exclusive Cardholder Offers
Varies by offer

Receive special discounts and promotions available only to Kay Jewelers Credit Cardholders.

Free Standard Shipping
Free standard shipping

Enjoy complimentary standard shipping on all purchases made with your Kay Jewelers Credit Card.

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: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments are required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 669
Good
Supported
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Rules: Applicants must be 18 years or older (19 in Alabama and Nebraska), possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a valid U.S. residential address. All applications are subject to credit approval by Synchrony Bank, requiring a satisfactory credit history. Bonus Rule: The Kay Jewelers Credit Card primarily offers special promotional financing on qualifying purchases, such as 0% APR for a specified period on purchases meeting a minimum threshold. Specific offers vary and are subject to change, often including a one-time discount on the first purchase (e.g., 10-20% off). Traditional 'spend X get Y points/cash' bonuses are not typical for this store card.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional spend bonus; promotional financing terms apply to qualifying purchases.

Shutdown Risk Triggers: Late or missed payments, exceeding credit limits, abuse of promotional financing terms (e.g., defaulting after 0% APR period), high credit utilization across all Synchrony accounts, fraudulent activity, excessive returns, or significant negative changes to the cardholder's credit profile (e.g., bankruptcy).

Cliff Effect Rules: Not applicable; store-specific credit cards like the Kay Jewelers card are generally standalone and do not have 'card family' rules or restrictions that impact eligibility for other Synchrony products in the same manner as general-purpose credit card families.

Special Events: Key promotional periods include Valentine's Day, Mother's Day, Graduation season, Anniversary sales, Black Friday/Cyber Monday, Christmas/Holiday season, and specific 'Diamond Events' or 'Gemstone Events' throughout the year.

Holiday Promos: Major holiday promotional periods typically run from late January to mid-February (Valentine's Day), late April to mid-May (Mother's Day), late May to early June (Graduation), and extend from early November through December (Black Friday, Cyber Monday, Christmas, and New Year).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Easy approval, special financing offers, helps build credit history.

Top Negative:
Very high APR, deferred interest can be costly, limited use outside Kay Jewelers, poor customer service.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Wells Fargo Reflect Card
  • Chase Freedom Unlimited

Card Value Score: 40.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0