St. John Knits Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: st-john-knits-credit-card

Issuer: Synchrony

Card Name: St. John Knits Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 09:32

Last Scraped: Feb 17, 2026 09:34

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

Quarterly Rotating: No

Benefits & Protections (Detailed) 4 Total
PENDING
Lifestyle 1
Annual Birthday Offer
Varies by offer

Receive a special offer or discount during your birthday month as a St. John Knits Credit Cardholder.

Shopping 3
Special Financing on Qualifying Purchases
Varies by promotion (e.g., No interest if paid in full within 6 months on purchases of $500 or more)

Cardholders can receive special financing offers, such as no interest if paid in full within a specified promotional period, on eligible St. John Knits purchases that meet a minimum spend requirement. Specific terms apply.

Exclusive Cardholder Promotions
Varies by offer

Access to special discounts, promotions, and savings events available only to St. John Knits Credit Cardholders throughout the year.

Early Access to Sales and New Collections
Priority access

Cardholders may receive early notification and priority access to shop new arrivals, collections, and sales events before the general public.

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
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: 32.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 Months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The St. John Knits Credit Card, issued by Synchrony, primarily offers benefits for purchases made at St. John Knits. Eligibility requirements for 2026 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 (typically fair to good credit, though store cards can sometimes be approved with lower scores). Benefits commonly include an initial discount on the first purchase (e.g., 15-20% off), special financing offers (e.g., 0% APR for a set period on qualifying purchases), and exclusive cardholder promotions throughout the year. There is no traditional points-based sign-up bonus.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for a traditional sign-up bonus. Promotional spend requirements for special financing are typically tied to a single purchase or a short promotional window (e.g., 30-90 days).

Shutdown Risk Triggers: Common triggers for Synchrony account review or shutdown include: high cumulative credit limit across multiple Synchrony accounts, unusual spending patterns inconsistent with typical retail purchases, multiple recent applications for Synchrony cards, defaulting on payments or high utilization across Synchrony accounts, and suspected abuse of promotional financing terms.

Cliff Effect Rules: Not applicable. Store cards like the St. John Knits Credit Card do not typically have 'card family' rules or restrictions similar to premium travel cards (e.g., Chase 5/24, Amex once-per-lifetime rules). Each application is generally evaluated independently based on creditworthiness.

Special Events: Cardholders can expect special promotions during seasonal collection launches (Spring, Summer, Fall, Winter), brand anniversary sales, private shopping events, and tiered spending rewards (e.g., spend $X, get $Y off next purchase).

Holiday Promos: Key promotional periods include Black Friday/Cyber Monday (November), the broader Christmas/Holiday Season (December), Mother's Day (May), Father's Day (June), and major U.S. holiday sales such as Memorial Day (May), 4th of July (July), Labor Day (September), and New Year's sales (January).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Access to special financing offers and exclusive cardholder promotions for St. John Knits purchases, with a straightforward application process.

Top Negative:
Concerns over high deferred interest rates if promotional balances are not paid in full, limited usability outside of St. John Knits, and general dissatisfaction with Synchrony Bank's customer service.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Double Cash
  • Capital One Quicksilver

Card Value Score: 40.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: 2024-02-01

Last Updated: Feb 01, 2024 00:00