Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.9% - 23.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
13.9% - 23.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Bernina Credit Card Review
This is a store card issued by Synchrony Bank. If you're wondering whether Bernina Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5x.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 18 months.
- Signup bonus. Offers a signup bonus of up to $150.
- APRs: Bernina Credit Card has a variable regular purchase APR that ranges from 13.9% up to 23.99%.
- 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.
- A 3% balance transfer fee. Bernina Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Bernina Credit Card
| The Good | The Bad |
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Bernina Credit Card FAQ
Does Bernina Credit Card have a cash back or rewards program?
No, it does not offer a rewards program. This card features rewards for purchases in the following categories:
- Retail
| Description |
- 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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Bernina Credit Card has a variable purchase APR that ranges from 13.9% up to 23.99%. The card has a variable balance transfer APR that ranges from 13.9% up to 23.9%. It also has a variable cash advance APR of 25.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Bernina Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 13.9% - 23.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Bernina Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 18 months.
What are the fees for Bernina Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $40 . Does Bernina Credit Card have a foreign transaction fee?
Bernina Credit Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Bernina Credit Card?
The customer service number for Bernina Credit Card is (866) 226-5638.
What is the support contact email for Bernina Credit Card?
The support contact email for Bernina Credit Card is customer.service@mail.synchronybank.com.
How do people rate the customer service and user experience of Bernina Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Bernina Credit Card report your account activity to credit bureaus?
Yes, Bernina Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, Bernina Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Bernina Credit Card
- Visit the website of Bernina Credit Card.
- 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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
8:00AM - 12:00AM
Monday
8:00AM - 12:00AM
Tuesday
8:00AM - 12:00AM
Wednesday
8:00AM - 12:00AM
Thursday
8:00AM - 12:00AM
Friday
8:00AM - 12:00AM
Saturday
8:00AM - 12:00AM
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Other Credit Cards from Synchrony Bank
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
25.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
27.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
400 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Purchase APR
Up to 29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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Bernina Credit Card Community Reviews
Would you recommend Bernina Credit Card to your friends?
J W.
Feb 8, 2024
May or may not recommend
DO Not use. They put what you owe as your Credit line which therefore brings your credit score down even if you put 3 grand down and owe 7 grand. So you show owing maxed out credit on your score. As you pay they lower your credit line to what you owe, making your credit go down further. If you are late once (even though it was set to automatic ...Show More
LA
Lorie A.
Jun 6, 2021
May or may not recommend
It's great for your initial purchase. If you you pay it off within a certain time frame, there is no interest. Thing is... after your initial BIG purchase, there is really no reason to have it. You can't use it anywhere except to purchase Bernina products.... which were all in my initial BIG purchase.
Showing 2 of 2 reviews
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