Pandora Credit Card

Synchrony Pending

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6

Benefits

3

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: pandora-credit-card

Issuer: Synchrony

Card Name: Pandora Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:18

Last Scraped: Feb 17, 2026 07:19

Apply URL: Visit

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Pandora Purchases (Bonus) 2x Points Earn 2 points for every $1 spent on purchases made at Pandora stores or online at pandora.net after spending $1,000 or more on Pandora purchases in a calendar year. No Cap
Pandora Purchases 1x Points Earn 1 point for every $1 spent on purchases made at Pandora stores or online at pandora.net. No Cap
All Other Purchases 1x Points Earn 1 point for every $1 spent on all eligible purchases outside of Pandora stores or pandora.net. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
No fee

There is no annual fee for maintaining the Pandora Credit Card account.

Financing 2
Special Financing (6 Months)
6 months special financing

Receive 6 months of special financing on qualifying purchases of $250 or more made with your Pandora Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months.

Special Financing (12 Months)
12 months special financing

Receive 12 months of special financing on qualifying purchases of $1,000 or more made with your Pandora Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months.

Lifestyle 1
Birthday Offer
Special offer

Cardholders receive a special offer during their birthday month.

Shopping 2
First Purchase Discount
10% off

Get 10% off your first purchase when you open and use your Pandora Credit Card.

Exclusive Cardholder Offers
Various offers

Access to exclusive offers available only to Pandora 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
Authorized User Fee: $0.00
Penalty APR: 29.99%
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

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 6, 12, or 24 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Pandora Credit Card, issued by Synchrony, typically offers a sign-up bonus such as a statement credit (e.g., $50) after spending a specified amount (e.g., $250) within the first 90 days of account opening. Eligibility requirements include being at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number or ITIN, and having a verifiable income. While Synchrony may approve applicants with fair to good credit, a good to excellent credit score is generally recommended for the best approval odds and credit limits. Store-specific restrictions apply, meaning promotional financing offers and discounts are primarily valid for purchases made at Pandora stores or online at Pandora.net within the USA.

Max Cards Per Issuer: 3

Min Spend Interval: 90 days

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive credit seeking (multiple applications in a short period), missed or late payments, suspicious account activity, or breach of terms and conditions.

Cliff Effect Rules: Synchrony does not typically enforce complex 'card family' or 'once per lifetime' bonus rules in the same manner as some prime issuers. However, approval for new Synchrony cards, including the Pandora card, is heavily influenced by the applicant's total credit exposure with Synchrony. Reaching an internal credit limit across all Synchrony accounts can lead to denials for new applications, even if individual credit scores are strong.

Special Events: Expect special financing offers (e.g., 0% APR for 6, 12, or 18 months on qualifying Pandora purchases), bonus point events, or exclusive discounts tied to major holidays, seasonal collections, or Pandora's anniversary sales.

Holiday Promos: Common promotional periods include Valentine's Day, Mother's Day, Black Friday/Cyber Monday, and the entire December holiday shopping season, often featuring enhanced financing options or bonus rewards.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval process for those with fair credit, offers promotional financing for Pandora purchases, useful for frequent Pandora shoppers to manage spending.

Top Negative:
High standard APR after promotional periods, limited use only at Pandora, common complaints about Synchrony customer service, risk of deferred interest.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Discover it® Secured Credit Card
  • Amazon Prime Rewards Visa Signature Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $60.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: 01/24