Kay Jewelers Credit Card
Basic Information
Program ID: kay-jewelers-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:57
Last Scraped: 01/15/2026 09:23
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 3,199.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,299.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Discount is typically applied at the time of purchase or appears on the first billing statement after the qualifying purchase is made.
Rewards Program
Reward Type: Store-Specific Benefits & Financing
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special financing offers and exclusive cardholder discounts/events on Kay Jewelers purchases. This card does not earn points on general spend.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A. This card does not offer a traditional points-based rewards program. Benefits (like special financing) are tied to specific promotions and financing terms, not expiring points.
Transfer Partners: N/A. This card does not offer transfer partners.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Kay Jewelers Credit Card, issued by Synchrony, primarily offers promotional financing rather than a traditional sign-up bonus. Typical bonus rules include 0% APR for a specified period (e.g., 6, 12, 18, 24, or 36 months) on qualifying purchases, often with minimum spend thresholds (e.g., $300, $500, $1000+). These promotional offers are usually interest-free if paid in full by the end of the promotional period, otherwise, deferred interest may apply from the purchase date. Cardholders also receive exclusive discounts, birthday offers, and anniversary specials. Eligibility requirements for application typically include being at least 18 years of age, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Applicants generally need a fair to good credit score (typically 640+ for best approval odds, though some approvals may occur with lower scores). Synchrony may perform a soft credit inquiry initially, followed by a hard inquiry upon approval and acceptance of the card.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A for traditional sign-up bonus; promotional financing terms apply at point of sale for qualifying purchases.
Shutdown Risk Triggers: Common triggers for account shutdown or adverse action by Synchrony include: high cumulative credit limit across multiple Synchrony-issued cards, prolonged account inactivity, consistent late payments or delinquency, suspected abuse of promotional financing offers, rapid application for multiple Synchrony cards within a short period, and significant changes in creditworthiness.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Offers special financing deals for large purchases, provides an option for building credit, and allows for flexible payments on jewelry.
Top Negative Feedback:
Very high standard APR, risk of deferred interest if balance isn't paid in full, limited utility outside Kay Jewelers, and reports of challenging customer service.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Zales Credit Card
- Capital One Platinum Credit Card
- Amazon Store Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $25.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0