Sewing & More Credit Card
Basic Information
Program ID: synchrony-sewing-more-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier:
Data Complete: Yes
Created: 01/15/2026 13:20
Last Scraped: 01/15/2026 13:22
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,699.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: As an AI, I cannot browse the internet in real-time or access future web content (January 2026). Therefore, I am unable to extract current sign-up bonus details for 'synchrony-sewing-more-credit-card' from the provided URL. This specific card name also suggests a co-branded store card, which might not be prominently listed with sign-up bonuses on the main Synchrony credit cards page.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Sewing More Stores & Online
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Synchrony Sewing More Credit Card in 2026 typically requires applicants to be a U.S. resident, at least 18 years of age, possess a valid Social Security Number or ITIN, and have a satisfactory credit history (often fair to good, but better credit may yield higher limits). Application can be completed online or in-store at participating sewing retailers, often with an instant decision. Bonus offers are generally store-specific and may include a percentage discount on the first purchase (e.g., 10-20% off) or special deferred financing promotions (e.g., 0% APR for 6-12 months on qualifying purchases over a certain amount). These benefits are exclusively for purchases made at eligible sewing merchants within the Synchrony network, as store-specific restrictions apply.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: N/A (immediate discounts/deferred financing common)
Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, sudden drastic changes in spending patterns, missed payments, excessive credit seeking, suspected fraudulent activity, or repeated balance transfers to exploit promotional rates without repayment.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.1 / 5.0
Top Positive Feedback:
Easy approval process, good promotional financing options, and exclusive store-specific discounts/rewards.
Top Negative Feedback:
High APR after promotional period, limited utility outside partner stores, and issues with customer service or promotional terms.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Amazon Store Card (Synchrony)
- Discover it Cash Back
- Capital One Platinum Secured Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $135.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 90% Store/Niche Co-brand / 10% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: October 2023