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  Bernina Credit Card

Bernina Credit Card

in Personal Credit Cards from Synchrony Bank

Unaffiliated

Bernina Credit Card

Unaffiliated

in Personal Credit Cards from Synchrony Bank

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Highlights
Highlights
Purchase APR  (Variable APR) 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

Bernina Credit Card Review

Bernina Credit Card is a store credit card issued by Synchrony Bank. If you're wondering whether Bernina Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 18 months.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

Bernina Credit Card Pros and Cons:

The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 18 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 18 months.
  • No annual fee.
  • Bernina Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a Bernina Credit Card cash back or rewards program?

No, Bernina Credit Card does not offer a rewards program. This card features rewards for purchases in the following categories:

  • Retail

What are the Bernina Credit Card benefits?

Bernina Credit Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Bernina Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Bernina Credit Card has higher than average purchase APRs.

Bernina Credit Card has a variable purchase APR of 29.99%.

Does Bernina Credit Card have an introductory APR offer on balance transfers?

Yes, Bernina Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 18 months.

Bernina Credit Card Balance Transfers
Description
Balance Transfer APR N/A
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 18
Balance Transfer Fee % N/A
Balance Transfer Fee Minimum N/A

Does Bernina Credit Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 18 months.

Bernina Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 18

What are the fees for Bernina Credit Card?

The following fees apply to Bernina Credit Card:

Bernina Credit Card Fees
Fees Amount
Annual Fee $0
Late Payment Fee $38

Does Bernina Credit Card report your account activity to credit bureaus?

Bernina Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Bernina Credit Card

  • Visit the Bernina Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 18 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $2
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Card Type Store Card
Card Network Other
Credit Bureau Reporting
  • Equifax
  • Experian
Fraud Liability  
Credit Card Benefits Fraud Liability
Rewards Categories Retail
Balance Computation Daily Balance
Purchase APR (Variable APR) 29.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 18 months

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SUPERMONEY NET RECOMMENDATION SCORE

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