The Synchrony Sewing & More Credit Card is a personal credit card aimed at hobbyists and individuals looking to build credit with low initial costs since it has no annual fee. Its main appeal is promotional financing on certain purchases, but it lacks substantial rewards and additional benefits such as travel perks or cashback.
Read more
The interest rate is quite high, making it less attractive for those who carry a monthly balance. The digital experience is robust, with a functional app and modern features like contactless payment and virtual card. Customer service receives mixed reviews, which could be a concern for users prioritizing effective support.
By Harlon Drosghic Apr 2026
See How to Apply
Synchrony Sewing & More Credit Card
Synchrony
- Annual Fee
- Free
- Minimum Income
- —
Score by category
Rewards
★★★★★ 1.9/5
Score by category
Rewards
Credit Building ★★★★★ 2.4/5
- Upgrade Path 1.0
- Credit Bureau Reporting 2.0
- Educational Tools 3.5
- Credit Limit Growth 2.5
- Approval Accessibility 3.0
Lower Fees ★★★★★ 2.2/5
- Annual Fee Value 5.0
- Cost Transparency 2.5
- Penalty Friendliness 2.0
Purchase Perks ★★★★★ 2.0/5
- Installment Perks 3.5
- Merchant Discounts 2.5
- Everyday Usefulness 2.0
- Purchase Protection 2.0
Score by category
User Experience
★★★★★ 3.2/5
Score by category
User Experience
App / Experience ★★★★★ 4.0/5
- Ease of Navigation 4.5
- Self-Service 4.0
- Billing Clarity 3.5
- Feature Quality 4.0
- App Speed & Stability 4.0
Support Quality ★★★★★ 2.8/5
- Response Time 2.5
- Channel Availability 2.5
- Agent Professionalism 3.0
- First-Contact Resolution 3.0
- Resolution Effectiveness 3.0
Transparency ★★★★★ 2.7/5
- Terms Simplicity 2.5
- Billing Transparency 3.0
- Fee & Interest Clarity 2.5
- Charge Predictability 2.5
- Communication Clarity 3.0
Security & Control ★★★★★ 3.5/5
- Card Control Features 3.5
- Fraud Protection 4.0
- Virtual Card Experience 3.0
- Incident Resolution 3.5
- Real-Time Monitoring 3.5
Benefits Usability ★★★★★ 2.9/5
- Ease of Earning 2.0
- Ease of Tracking 3.5
- Real-World Value 2.0
- Rules Simplicity 3.5
- Ease of Redeeming 3.0
Pros & Cons Synchrony Sewing & More Credit Card
Pros
- ✓No annual fee
- ✓Promotional financing options
- ✓Contactless and virtual card features
- ✓Mobile app available
Cons
- ✗Very high APR
- ✗Limited rewards categories
- ✗No travel or significant purchase perks
- ✗Mixed reviews on customer service
Expert Analysis
AI Analysis
Citocred AI
The Synchrony Sewing & More Credit Card is a personal credit card aimed at hobbyists and individuals looking to build credit with low initial costs since it has no annual fee.
Full analysis
Its main appeal is promotional financing on certain purchases, but it lacks substantial rewards and additional benefits such as travel perks or cashback. The interest rate is quite high, making it less attractive for those who carry a monthly balance. The digital experience is robust, with a functional app and modern features like contactless payment and virtual card. Customer service receives mixed reviews, which could be a concern for users prioritizing effective support.
Best for
Hobbyists looking for promotional financing without an annual fee.
Avoid if
Travel enthusiasts or those looking for robust rewards programs.
AI-generated analysis · Methodology by Harlon Drosghic
Hobbyists looking for promotional financing without an annual fee.
Travel enthusiasts or those looking for robust rewards programs.
Frequently Asked Questions
Synchrony Sewing & More Credit Card
What is the interest rate for the Synchrony Sewing & More Credit Card?
Does the Synchrony Sewing & More Credit Card include airport lounge access?
Does the Synchrony Sewing & More Credit Card include travel insurance?
Who should get the Synchrony Sewing & More Credit Card?
Is the Synchrony Sewing & More Credit Card worth it?
The Synchrony Sewing & More Credit Card provides a set of benefits designed to add genuine value to your financial routine:
Contactless Payment
Virtual Card
International Acceptance
See 10 benefits not included in this card
- Cashback See which cards include this benefit →
- Points Program See which cards include this benefit →
- Miles Program See which cards include this benefit →
- Lounge Access See which cards include this benefit →
- Travel Insurance See which cards include this benefit →
- Purchase Protection See which cards include this benefit →
- Extended Warranty See which cards include this benefit →
- Concierge See which cards include this benefit →
- Apple Pay See which cards include this benefit →
- Google Pay See which cards include this benefit →
Features — Detalhes
Fees
Rewards
Premium
Digital
Additional Benefits
- • Free access to Your Credit Score
- • Mobile app (iOS & Android)
- • $0 fraud liability
How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
We maintain full editorial independence — no issuer pays for ranking position. 'Apply' links may include affiliate referrals that support our free content. This never influences our editorial scores or assessments.
Read our full methodology →
Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.