1
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 1 Total
PENDINGFinancing 1
Special Financing Options
Varies by promotion (e.g., 'No interest if paid in full within 6, 12, or 18 months')Cardholders may be eligible for special financing offers on qualifying purchases made at Pearle Vision locations. These offers allow customers to pay for their eye care needs over time, often with deferred interest if the promotional balance is paid in full within a specified period. Specific terms, such as the duration of the promotional period and minimum purchase requirements, vary by offer and are subject to credit approval.
Benefits Summary (Flags)
PENDINGExtended 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
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Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Penalty APR: | 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
PENDINGStandard APR
Intro APR Offers
Promo Financing: Special Financing
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Pearle Vision credit card, issued by Synchrony, primarily offers special financing promotions rather than traditional sign-up bonuses. Eligibility requirements typically include being at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and meeting Synchrony's creditworthiness criteria. While store cards can sometimes be approved with fair credit, a good credit history generally improves approval odds and credit limit. Applicants must also have a verifiable income. Promotions usually involve deferred interest financing (e.g., 'No interest if paid in full within 6, 12, or 18 months on qualifying purchases'), where interest is retroactively charged from the purchase date if the balance is not paid in full by the end of the promotional period. There are no traditional points or cashback bonus structures.
Max Cards Per Issuer: 7
Min Spend Interval: Not applicable for traditional sign-up bonuses; promotional financing terms vary by offer and purchase amount.
Cliff Effect Rules: Not applicable; store cards typically do not have family-based 'cliff effect' rules or tiered benefits that are impacted by holding multiple cards within a specific program.
Special Events: Seasonal sales events (e.g., back-to-school, holiday eyewear sales), exclusive cardholder discounts, special financing offers on specific product lines or purchase thresholds, and limited-time promotions tied to new product launches or store anniversaries.
Holiday Promos: Black Friday/Cyber Monday, Christmas/New Year, Mother's Day, Father's Day, and other major national holidays (e.g., Memorial Day, Labor Day) often feature enhanced financing or discount offers for cardholders.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Convenient financing for eye care expenses; special promotional offers make large purchases manageable.
Top Negative:
High standard APR after promotional period; limited use outside Pearle Vision; customer service can be slow.
Approval Experience: 68.0 / 100
Recommended Alternatives
- CareCredit (Synchrony)
- Capital One Platinum Secured Card
- Discover it® Secured Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $25.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 01/01/2024
Last Updated: Jan 01, 2024 00:00