THE CARDTUNED DATABASE
Pandora Credit Card
Issuer: Synchrony · Network: Not Public
Open a Pandora Credit Card and save 10%** | Zero Down & 6 OR 12 Months Special Financing Available* on purchases of $225 or more (after discounts) for 6 months or $500 or more (after discounts) for 12 months with your Pandora Credit Card. | See if you prequalify
- Annual fee
- $0
- Foreign transaction fee
- Not publicly disclosed; see live application terms
- Intro APR
- Deferred-interest financing: 6 months on qualifying purchases of $225+ or 12 months on qualifying purchases of $500+.
- Regular APR
- 34.99% purchase APR for new accounts as of 2025-07-31
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
10% off the first eligible Pandora Credit Card purchase
- Spending requirement
- First eligible Pandora purchase
- Time window
- In store on approval date; online code valid 30 days
Offer last checked: 2026-09-09
Additional benefits
• 6-month deferred-interest financing on purchases of $225 or more
• 12-month deferred-interest financing on purchases of $500 or more
• Zero down on qualifying promotional-financing purchases
• One year of My Pandora Gold benefits when accounts use the same email
• Prequalification without credit-score impact
Restrictions to know
The 10% discount applies in store on the approval date; an online approval code is valid online for 30 days. Limit one code per approval, not combinable with other discounts, and product exclusions apply. Promotional financing is deferred interest and requires the balance to be paid in full within 6 or 12 months. The qualifying amount must be on one receipt.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff