REEDS Jewelers Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: reeds-jewelers-credit-card

Issuer: Synchrony

Card Name: REEDS Jewelers Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:59

Last Scraped: Feb 17, 2026 08:01

Apply URL: Visit

Home URL: Visit

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

The REEDS Jewelers Credit Card does not charge an annual fee for card membership.

Lifestyle 1
Online Account Management
N/A

Cardholders can conveniently manage their account 24/7 online, including making payments, viewing statements, and updating personal information.

Shopping 2
Special Financing Offers
Varies by promotion

Cardholders may qualify for promotional financing options on eligible purchases made at REEDS Jewelers. Specific terms and conditions apply and are disclosed at the time of purchase.

Exclusive Cardholder Promotions
Varies by offer

Cardholders receive access to special offers and promotions available only to REEDS Jewelers 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: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 24 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not specified
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Reeds Jewelers Credit Card (Synchrony) in 2026 requires applicants to be at least 18 years old (19 in AL/NE), possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), maintain a U.S. mailing address, and meet Synchrony's creditworthiness standards. The primary 'bonus rule' for this card is promotional financing, typically offering deferred interest (e.g., 0% APR for X months) on qualifying purchases. It is crucial to note that if the promotional balance is not paid in full by the end of the specified period, interest will be charged from the original purchase date. Specific promotional periods and minimum purchase amounts are subject to change and vary by offer.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for traditional bonus spend. Promotional financing requires meeting a minimum purchase amount for a specific promotional period (e.g., '$500 purchase for 12 months 0% APR'), which is distinct from a bonus spend interval.

Shutdown Risk Triggers: Common triggers for account shutdown by Synchrony include non-payment or repeated late payments, suspected fraudulent activity, significant deterioration of the cardholder's credit profile (e.g., bankruptcy, multiple defaults), excessive credit seeking across multiple issuers (especially Synchrony), and maintaining a high cumulative credit limit across all Synchrony accounts relative to income or credit profile. While less common for store cards, extended periods of inactivity could also be a factor.

Cliff Effect Rules: Not applicable. The Reeds Jewelers Credit Card is a standalone store-specific credit product and does not have complex 'cliff effect' rules or family-related restrictions tied to other Synchrony credit card products.

Special Events: Reeds Jewelers frequently offers special financing promotions or exclusive discounts during key retail periods. These can include anniversary sales, private shopping events for cardholders, seasonal collection launches (e.g., Spring, Summer, Fall), and cardholder-exclusive offers communicated directly to account holders.

Holiday Promos: Expect enhanced promotional financing offers and potential discounts during major gift-giving holidays and peak retail seasons. These commonly include Valentine's Day (February), Mother's Day (May), Graduation Season (May-June), Father's Day (June), Black Friday/Cyber Monday (November), the broader Christmas/Holiday Season (November-December), and New Year's Sales (January).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.1 / 5.0

Top Positive:
Easy approval for fair credit, offers special financing options for large jewelry purchases, can be useful for building credit history.

Top Negative:
Very high interest rates after promotional periods, frequent complaints about customer service, limited utility outside Reeds Jewelers, reports of unexpected charges.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Discover it Secured Credit Card
  • Wells Fargo Reflect Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $20.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: v1.0