Sewing & More Credit Card

Synchrony Pending

Back Apply Now

0

Benefits

0

Reward Categories

—

Max Reward

—

APR From
Basic Information
PENDING

Program ID: sewing-and-more-mastercard

Issuer: Synchrony

Card Name: Sewing & More Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:32

Last Scraped: Feb 17, 2026 08:33

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)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers

Promo Financing: Deferred Interest

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the 'sewing-and-more-mastercard' requires applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to Synchrony's credit underwriting standards, typically requiring a fair to good credit score, though store cards can sometimes be approved with lower scores. Applicants should not have a history of default with Synchrony. The card's primary benefits usually include a first-purchase discount (e.g., 10-20% off) or special promotional financing offers (e.g., 0% APR for 6-12 months on qualifying purchases over a specified amount, such as $299 or $499). Ongoing rewards often involve exclusive cardholder discounts, early access to sales, or a points-based system redeemable solely at 'sewing-and-more' stores. All rewards and financing offers are subject to store-specific restrictions and terms.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for traditional sign-up bonus; promotional offers may have specific, short-term spend requirements (e.g., 30-90 days) for activation or enhanced benefits.

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), excessive cumulative credit limit across multiple Synchrony accounts, prolonged account inactivity (e.g., 12+ months without purchases), repeated opening and closing of Synchrony accounts, defaulting on any Synchrony account, abuse of promotional financing terms, and rapid application for multiple Synchrony cards in a short period, especially if credit scores are marginal.

Cliff Effect Rules: Synchrony does not enforce strict 'card family' rules like Chase 5/24. However, they maintain internal limits on the total number of accounts and cumulative credit exposure extended to a single customer. Applying for too many Synchrony cards, or having a high total credit limit with them, can lead to denials for new applications or account closures if the customer's risk profile changes. Benefits of this specific card are tied exclusively to 'sewing-and-more' purchases.

Special Events: Exclusive cardholder events, double or triple points days, special financing offers during specific store-wide sales (e.g., anniversary sales, seasonal clearances), early access to new product launches or sales, and personalized discounts or coupons for cardholders.

Holiday Promos: Enhanced special financing offers (e.g., longer 0% APR periods) or increased reward rates (e.g., 5x points instead of 2x) during major shopping holidays such as Black Friday, Cyber Monday, the entire Christmas/Holiday Season, Mother's Day, Father's Day, and Back-to-School periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Good rewards on everyday purchases, Useful for financing larger sewing-related purchases, Easy application process.

Top Negative:
High APR after promotional period, Customer service can be slow, Credit limit might be low for some.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One Quicksilver
  • Discover it Cash Back
  • Amazon Prime Rewards Visa Signature

Card Value Score: 70.0 / 100

Est. Annual Rewards: $225.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0