What the Diamonds International Credit Card offers
The Diamonds International credit card is a store card issued by Synchrony Bank that you can use at Diamonds International retail locations. It is not a general-purpose card — you can only use it to make purchases at Diamonds International stores and their website. The card offers a rewards program tied to your spending, discounts on certain purchases, and financing options for larger transactions.
This card is designed for people who shop at Diamonds International regularly and want to earn rewards on those purchases. If you shop there occasionally or prefer a card you can use anywhere, a standard rewards credit card from a major issuer may suit you better.
Key Takeaways
- The Diamonds International card is a store card that works only at Diamonds International locations and their website, not at other retailers.
- The card earns rewards points on purchases, which you can redeem for discounts or merchandise at Diamonds International.
- Synchrony Bank issues the card and handles billing, payments, and account management through their online portal or phone line.
- You will need to meet Synchrony's credit requirements to be approved, and your credit limit will depend on your credit history and income.
- The card offers promotional financing periods on certain purchases, meaning you may pay no interest if you pay off the balance within a set timeframe.
How to open a Diamonds International credit card account
You can request a card in-store at any Diamonds International location or online through their website. The in-store process is fastest — a staff member will help you complete the process on a tablet or computer, and you will receive a decision within minutes in most cases.
To explore, you will need your Social Security number, a government-issued ID, your current address, and information about your income and employment. Synchrony Bank will pull your credit report and check your credit history. Approval depends on your credit score, income, and existing debt.
If you are approved, you will receive a temporary card number when ready that you can use to make a purchase that same day. Your physical card will arrive by mail within 7 to 10 business days. If you explore online, the process takes longer — typically 5 to 7 business days for a decision.
Understanding the rewards program and point system
Every dollar you spend on the card earns points. The exact earning rate varies depending on what you buy — jewelry purchases typically earn more points than other items. You can check the current earning rates on the Diamonds International website or by asking in-store, as these rates can change.
Points accumulate in your account and can be redeemed for discounts on future purchases or for merchandise. You redeem points through your Synchrony account online or by asking a store associate. There is no expiration date on points as long as your account remains open and active.
The rewards program is free to join — there is no annual fee to earn and use points. However, the card itself may carry an annual fee depending on the specific version you hold. Check your cardholder agreement or contact Synchrony to confirm whether your card has an annual fee.
How promotional financing works on this card
Diamonds International periodically offers promotional financing periods — typically 0% interest for 12, 18, or 24 months on purchases above a certain amount. These promotions are advertised in-store and online. If you make a purchase during a promotional period and meet the minimum amount, the financing offer applies automatically.
During the promotional period, you pay no interest as long as you pay at least the minimum payment each month. If you do not pay off the full balance before the promotion ends, interest charges begin on the remaining balance at the card's regular rate. The regular interest rate (called the APR, or annual percentage rate) is set by Synchrony and will be shown in your cardholder agreement.
If you miss a payment during the promotional period, the promotion may be cancelled and interest may be charged retroactively on the entire balance. Make payments on time to keep the promotion active.
Managing your account and making payments
You manage your Diamonds International credit card account through Synchrony's online portal. Visit Synchrony.com, click "Log In," and enter your username and password. From there you can view your balance, make payments, see your rewards points, and read statements.
Payments are due on the date shown on your monthly statement. You can pay online through the Synchrony portal, by phone at the number on your statement, or by mail. Online and phone payments typically post within one business day. If you pay by mail, allow 7 to 10 business days for the payment to reach Synchrony and post to your account.
You can set up automatic payments so your payment is deducted from your bank account on the same date each month. This helps you avoid late payments. You choose whether to pay the full balance, the minimum payment, or a custom amount.
Credit limits and how they affect your account
Your credit limit is the maximum amount you can charge to the card. Synchrony sets your initial limit based on your credit score, income, and credit history. Limits typically range from a few hundred dollars to several thousand dollars, but this varies widely by person.
You can request a credit limit increase after you have held the card for at least 6 months and have made payments on time. Contact Synchrony through their website or by phone. A hard inquiry of your credit report may be required, which can temporarily lower your credit score by a few points.
If you reach your credit limit, you cannot make new charges until you pay down your balance. Paying down your balance also improves your credit utilization ratio — the percentage of your available credit that you are using — which can help your credit score over time.
What happens if you close your account or stop using the card
If you close your Diamonds International credit card account, your rewards points remain in your account for a limited time, but you should redeem them before closing to avoid losing them. Contact Synchrony to confirm their policy on points after account closure.
Closing the account will not harm your credit score directly, but it does reduce the total amount of available credit you have, which can slightly raise your credit utilization ratio if you carry balances on other cards. If you straightforward stop using the card without closing it, the account may be closed automatically by Synchrony after a long period of inactivity — typically 12 months or more.
If you have an outstanding balance when you close the account, you must continue to make payments until the balance is paid off. Closing an account does not erase what you owe.
Frequently Asked Questions
Can I use the Diamonds International card anywhere besides Diamonds International stores?
No. This is a store card, which means it works only at Diamonds International locations and on their website. You cannot use it at other retailers, restaurants, or gas stations. If you need a card for general use, you would need a separate credit card from a major issuer like Visa or Mastercard.
What is the interest rate on this card?
The regular APR (annual percentage rate) varies based on your creditworthiness and is shown in your cardholder agreement when you are approved. Synchrony does not publish a single rate because it differs for each person. You can contact Synchrony to ask what your rate is, or check your statement or online account.
Do I have to pay an annual fee?
Some versions of the Diamonds International card have an annual fee and some do not. The fee, if any, will be disclosed before you complete your process. Check your cardholder agreement or contact Synchrony to confirm whether your specific card has an annual fee.
What happens if I miss a payment?
A late payment will be reported to the credit bureaus and will damage your credit score. You may also be charged a late fee. If you have a promotional financing offer, a missed payment may cancel the promotion and cause interest to be charged on the full balance. Contact Synchrony when ready if you cannot make a payment on time.
How do I redeem my rewards points?
You redeem points through your Synchrony online account or by asking a store associate at Diamonds International. Points can be converted to discounts on purchases or merchandise. The redemption options available to you will be shown in your account. There is no minimum number of points required to redeem.