Vera Bradley Credit Card

Synchrony Pending

Back Apply Now

5

Benefits

2

Reward Categories

10x

Max Reward

32%

APR From
Basic Information
PENDING

Program ID: vera-bradley-credit-card

Issuer: Synchrony

Card Name: Vera Bradley Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:57

Last Scraped: Feb 17, 2026 10:59

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Vera Bradley Purchases 10x Points Purchases made at Vera Bradley stores or verabradley.com No Cap
All Other Purchases 2x Points All eligible purchases outside of Vera Bradley No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x on Vera Bradley purchases

Quarterly Rotating: No

Expiration Policy: Points expire 24 months after the date they are earned if not redeemed. Once a reward certificate is issued, it expires 90 days from the issue date.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards are only redeemable at Vera Bradley stores or verabradley.com. Cannot be redeemed for cash.

Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0

The Vera Bradley Credit Card does not charge an annual fee for card membership.

Financing 1
Special Financing Options
Varies by offer

Cardholders may be eligible for special financing options on qualifying purchases. Specific terms and conditions apply and are disclosed at the time of purchase.

Shopping 3
First Purchase Discount
20% off

Cardholders receive a 20% discount on their first purchase made with the Vera Bradley Credit Card.

Birthday Offer
Special offer

Cardholders receive a special offer during their birthday month.

Exclusive Cardholder Offers
Exclusive offers

Cardholders receive exclusive discounts and promotions throughout the year.

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: 31.99% - 31.99%

Cash Advance APR: 31.99%

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 Vera Bradley Credit Card, issued by Synchrony, typically offers a sign-up bonus such as a percentage off the first Vera Bradley purchase made with the card (e.g., 15-20%). Ongoing rewards usually include earning points per dollar spent at Vera Bradley, redeemable for discounts or exclusive offers, and may feature special financing options on qualifying purchases. Eligibility requirements for application include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and a valid U.S. mailing address. Approval is subject to Synchrony Bank's credit underwriting standards, generally requiring a fair to good credit score (typically FICO 640+ for store cards), and considers overall credit history, existing Synchrony accounts, and debt-to-income ratio.

Max Cards Per Issuer: 3

Min Spend Interval: N/A for bonus spend; immediate for first purchase discount.

Shutdown Risk Triggers: High utilization on the Vera Bradley card or other Synchrony accounts, missed or late payments on any Synchrony account, opening multiple Synchrony accounts in a short period leading to excessive total credit exposure, significant adverse changes in credit score or financial profile, suspected fraudulent activity, or breach of cardholder agreement terms.

Cliff Effect Rules: Not applicable for application eligibility across card families; any 'cliff effect' would be related to losing loyalty tier benefits if specific annual spending thresholds are not met.

Special Events: Exclusive cardholder-only sales events, double or triple points days on Vera Bradley purchases, early access to new product launches or collections, birthday discounts or special offers, and free shipping promotions for cardholders.

Holiday Promos: Black Friday/Cyber Monday (November-December), Mother's Day (May), Graduation Season (May-June), Back-to-School (July-August), Valentine's Day (February), and seasonal collection launch periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, good discounts on Vera Bradley purchases, and free shipping benefits for frequent shoppers.

Top Negative:
High interest rates, limited utility outside Vera Bradley stores, and reported issues with Synchrony customer service.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Target RedCard
  • Capital One SavorOne Rewards
  • Amazon Prime Rewards Visa Signature

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: October 2023