5
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
PENDINGReward Type: Store Credit
Base Rate: 1x
Bonus Rate: 5x
Categories: Purchases at Viking Sewing Gallery
Quarterly Rotating: No
Expiration Policy: Rewards expire 12 months from the date of issuance if not redeemed.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Minimum redemption amount of $10. Rewards can only be used for purchases at Viking Sewing Gallery.
Benefits & Protections (Detailed) 5 Total
PENDINGFinancial 1
No Annual Fee
N/AThe credit card does not charge an annual fee for card membership.
Security 3
Mastercard Zero Liability Protection
Full protectionCardholders are not held responsible for unauthorized transactions made with their Mastercard. This protection applies to purchases made in-store, over the phone, online, or via mobile device.
Mastercard Global Service
N/AProvides emergency assistance services to cardholders worldwide, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.
Mastercard ID Theft Protection
N/AHelps detect and resolve identity theft. Services include monitoring for suspicious activity, alerts, and resolution assistance from a certified identity theft resolution specialist.
Shopping 1
Special Financing Offers
Varies by offerCardholders can take advantage of special financing promotions on eligible purchases made at Viking Sewing Gallery. Specific offers, such as deferred interest or 0% APR for a promotional period, are available and may vary. Cardholders should inquire with an associate for current details.
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 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Viking Sewing Gallery Mastercard (Synchrony) in 2026 requires applicants to be at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is subject to Synchrony's creditworthiness criteria, typically requiring fair to good credit. Income verification will be required. The primary 'bonus' for this card is expected to be promotional financing offers, such as 0% APR for a specified period (e.g., 6-12 months) on qualifying purchases made at Viking Sewing Gallery, or a one-time discount (e.g., 10-15% off) on the first purchase. Traditional spend-based sign-up bonuses are less common for this type of store-branded card.
Max Cards Per Issuer: 4
Min Spend Interval: Not typically applicable for promotional financing offers. If a spend-based bonus were offered, a 3-month interval is common for Synchrony.
Cliff Effect Rules: Synchrony generally treats each credit card account independently, meaning there are typically no 'card family' rules where benefits are tied across multiple cards or lost upon closing a specific card. However, Synchrony does manage total credit exposure per customer. Reaching a high cumulative credit limit across all Synchrony accounts can make it difficult to obtain new cards or secure credit limit increases, potentially leading to denials or even proactive limit reductions on existing accounts if new credit is sought.
Special Events: Viking Sewing Gallery Mastercard holders can expect special promotions and financing offers during key retail periods such as Black Friday, Cyber Monday, seasonal sales (Spring, Summer, Fall, Winter collections), anniversary sales, and specific brand launch events or promotions related to sewing machines, accessories, and fabrics.
Holiday Promos: Anticipate enhanced promotional financing and discounts during major holiday periods including Christmas/New Year, Valentine's Day, Mother's Day, Father's Day, 4th of July, Labor Day, and Halloween. These periods often feature store-wide sales that can be combined with cardholder benefits.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy financing options for large sewing machine purchases; helpful for hobbyists and small businesses.
Top Negative:
High APR; limited utility outside Viking Sewing stores; customer service can be slow.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Amazon Store Card
- Capital One Quicksilver
- Discover it Cash Back
Card Value Score: 60.0 / 100
Est. Annual Rewards: $35.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0