2
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) 2 Total
PENDINGFinancing 1
Special Financing Options
Varies by promotionCardholders may be eligible for special financing promotions on qualifying purchases made at St. John. Specific terms and conditions, including promotional periods and minimum purchase requirements, apply and are disclosed at the time of offer or in the cardholder agreement.
Shopping 1
Exclusive Cardholder Offers
Varies by offerAccess to exclusive discounts, promotions, and special events available only to St. John credit cardholders.
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 |
| 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: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: New cardholders receive a 15% discount on their first St. John purchase made within 30 days of account opening, plus access to exclusive cardholder-only financing offers on purchases over $1,000. Eligibility requires applicants to be 18 years or older (19 in AL/NE), possess a valid U.S. Social Security Number or ITIN, maintain a U.S. mailing address, and meet Synchrony's creditworthiness criteria. Approval is subject to Synchrony's internal credit policies, which may include a review of existing Synchrony accounts and overall credit exposure. Store-specific restrictions and promotional terms apply.
Max Cards Per Issuer: 4
Min Spend Interval: 30 days for initial discount; 3 months for any potential future spend-based promotions.
Cliff Effect Rules: No specific 'card family' cliff effect rules apply to this store card. However, Synchrony's general credit policies and overall credit exposure limits across all Synchrony-issued cards will influence future approvals and credit limit increases.
Special Events: Exclusive early access to seasonal sales, private shopping events for top-tier cardholders, complimentary styling sessions, and birthday month discounts.
Holiday Promos: Annual Black Friday/Cyber Monday sales (typically 20-30% off select items), Holiday Season financing offers (e.g., 0% APR for 12 months on purchases over $500), Mother's Day and Valentine's Day special discounts or gift-with-purchase promotions.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Exclusive discounts and special financing offers for St. John purchases; convenient way to manage loyalty and spending at the brand.
Top Negative:
High interest rates; limited acceptance outside of St. John stores; potential for low credit limits.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Saks Fifth Avenue Credit Card
- Nordstrom Retail Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $175.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 03/2023