4
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) 4 Total
PENDINGFinancial 1
No Annual Fee
No annual feeThere is no annual fee charged for maintaining the Woman Within Credit Card account.
Shopping 3
First Purchase Discount
20% offReceive 20% off your first purchase made with your new Woman Within Credit Card.
Annual Birthday Offer
Special offerCardholders receive a special discount or offer during their birthday month each year.
Exclusive Cardholder Savings Events
Exclusive access to savingsAccess to special sales, promotions, and discounts available only to Woman Within Credit Card members throughout the year.
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 |
| Authorized User 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%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the Woman Within Credit Card is expected to continue offering new cardholders an initial discount (e.g., 20% off) on their first Woman Within purchase. Ongoing benefits typically include exclusive cardholder discounts, early access to sales, and a rewards program (e.g., points per dollar spent, redeemable for future purchases). Eligibility requirements include being at least 18 years old, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and not having a history of severe delinquency or default with Synchrony Bank. Application approval generally requires a fair to good credit score, making it more accessible than prime credit cards.
Max Cards Per Issuer: 5
Min Spend Interval: N/A - Bonus is typically an immediate first purchase discount; ongoing rewards accrue per transaction.
Cliff Effect Rules: Synchrony does not have explicit 'cliff effect' rules like Chase's 5/24 or Amex's once-per-lifetime for store cards. However, they do monitor and limit the total credit exposure to an individual across all Synchrony-issued cards. Approval for new cards may become difficult if the cumulative credit limit is deemed too high relative to income and credit profile.
Special Events: Exclusive cardholder sales events, double points days, birthday discounts, and early access to new collections or promotions specific to Woman Within.
Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, Valentine's Day, and seasonal clearance events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.5 / 5.0
Top Positive:
Easy to get approved, provides discounts and special offers for Woman Within purchases, helps build credit.
Top Negative:
Very high interest rates, poor customer service from Synchrony, limited use outside the store, frequent credit limit reductions.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured
- Discover it Secured
- Target RedCard
Card Value Score: 55.0 / 100
Est. Annual Rewards: $30.00
Approval Probability: 70.0%
Version Control
PENDINGVersion ID: 2024-02-01