4
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 4 Total
PENDINGFinancial 1
No Annual Fee
$0 annual feeThe Sewing & More Credit Card does not charge an annual fee for card membership.
Security 1
Online Account Management
N/AConvenient access to manage the credit card account online, including viewing statements, making payments, and updating personal information.
Shopping 2
Special Financing Offers
Varies by promotion (e.g., No interest if paid in full within 6, 12, or 18 months)Access to special promotional financing offers on qualifying purchases made with the Sewing & More Credit Card. These offers typically involve deferred interest if the promotional balance is paid in full within a specified period.
Dedicated Credit Line
Varies by credit limitA dedicated credit line specifically for purchases at Sewing & More, allowing cardholders to make purchases and take advantage of financing options.
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
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 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the 'sewing-and-more-credit-card' requires applicants to be a U.S. resident, 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and maintain a fair to good credit history with no current defaults on any Synchrony accounts. New cardholders can earn a $50 statement credit after spending $500 on eligible purchases within the first 3 months of account opening. Application is primarily online, often with instant decisioning.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony manages total credit exposure across all its issued cards. Approval for new cards or credit limit increases may be denied if the cumulative credit extended by Synchrony is deemed too high, irrespective of individual card performance. Store-specific benefits and promotional offers are non-transferable between different Synchrony-issued store cards.
Special Events: Annual 'Sew-a-thon' Sale, Seasonal Fabric & Pattern Launches, Member-Exclusive Crafting Workshop Discounts, Early Access to Clearance Events.
Holiday Promos: Black Friday/Cyber Monday, Christmas/New Year's Crafting Season, Mother's Day Gift-Making Promotions, Back-to-School Sewing Prep.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Easy financing for hobby purchases; helpful for spreading out large costs; quick approval process.
Top Negative:
High interest rates after promotional period; customer service can be slow; limited use outside specific stores.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Joann Credit Card
- Discover it Cash Back
- Capital One Quicksilver Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $35.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: Oct 26, 2023 00:00