REEDS Jewelers Credit Card
VisaIssued by Synchrony Bank
Earn 3% back in rewards at REEDS plus flexible financing for up to 60 months with no annual fee.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
34.99% – 34.99%
0% intro APR for 12 months. Rate based on Prime Rate.
SIGN-UP BONUS
-
No welcome bonus is currently available for new cardholders.
TOP POINTS
3 points per $1
Earn 3 points for every $1 spent on net purchases at REEDS Jewelers or REEDS.com.
Key Benefits
- Earn 3 points for every $1 spent at REEDS Jewelers (effectively 3% back)
- Automatic enrollment in the REEDS Rewards program
- No annual fee
- Prequalify online without impacting your credit score
- Manage your account through the MySynchrony portal
Important Limitations
- Carrying a monthly balance without a promo plan (High 34.99% APR)
- Non-REEDS shopping (closed-loop card)
- Small purchases where points will likely expire before reaching the 1,000-point threshold
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| All | 3 points per $1 | Unlimited (no annual cap) | • REEDS Jewelers |
Fees & APR
ANNUAL FEE
$0
INTRO APR (12 MONTHS)
0%
REGULAR PURCHASE APR
34.99% – 34.99%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$41
Card Protection & Benefits
REEDS Rewards Program
- ✓Earn $10 in REEDS Rewards for every 1,000 points earned ($333.33 spend). Rewards are issued in $10 increments up to $100 per certificate.
Everyday 6-Month Financing
- ✓No interest if paid in full within 6 months on qualifying purchases of $500 or more.
Security Features
- ✓$0 Fraud Liability – Protection against unauthorized charges on your account.
Best Use Cases
IDEAL FOR
- Engagement ring or high-end watch purchases
- Frequent REEDS Jewelers shoppers looking for 3% back in rewards
- Customers who want extended fixed-payment plans for 5 years
NOT RECOMMENDED FOR
- Carrying a monthly balance without a promo plan (High 34.99% APR)
- Non-REEDS shopping (closed-loop card)
- Small purchases where points will likely expire before reaching the 1,000-point threshold
Maximize Your Rewards Strategy
Months 1–12: Use 0% APR
- Finance large purchases interest-free
- Spread purchases over months
- Create payment plan before month 13
- Avoid 34.99% – 34.99% APR kicking in
- Calculate monthly payments needed
Earn More Points
- 3 points per $1 on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-866-396-8254
Terms subject to change · View full terms
Last updated: Feb 18, 2026
Popular Stores
Fetching Data ...
Categories
Fetching Data ...