Adairs Credit Card

Synchrony Pending

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0

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: adairs-credit-card

Issuer: Synchrony

Card Name: Adairs Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 11:02

Last Scraped: Feb 16, 2026 11:02

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed)
No Card Benefits Available

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Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If you do not pay the promotional balance in full by the end of the promotional period, interest will be imposed from the date of purchase at the APR for Purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18+ years old (19+ in AL/NE), possess a valid US SSN or ITIN, and have a verifiable US residential address. Approval is subject to creditworthiness based on Synchrony's criteria. Bonus Rule: New cardholders typically receive a 20% discount on their first Adairs purchase made on the day of account opening, or special promotional financing on qualifying purchases over $299 for 6-12 months. Application Rules: Applications are accepted online or in-store, often with instant credit decisions.

Max Cards Per Issuer: 7

Min Spend Interval: N/A - Bonuses are typically immediate (e.g., first purchase discount) or tied to ongoing usage and special financing offers, not a traditional spend interval.

Shutdown Risk Triggers: Manufactured spending (if applicable to store purchases), high cumulative credit limit across Synchrony accounts, excessive returns after discount usage, opening too many Synchrony accounts in a short period, fraudulent activity, consistent minimum payments on promotional financing without principal reduction, or failure to make payments.

Cliff Effect Rules: Synchrony store cards generally do not have traditional 'card family' cliff effect rules. However, accumulating a high number of Synchrony accounts or a significant total credit limit across all Synchrony products can lead to denials for new applications due to overall credit exposure management by the issuer.

Special Events: Exclusive member-only sales events, birthday discounts (e.g., 15-20% off a single purchase), anniversary rewards, early access to new product launches or seasonal collections, and special financing offers on large purchases (e.g., 0% APR for 12-24 months on purchases over $X).

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season (November-December), Memorial Day, 4th of July, Labor Day, Back-to-School, Mother's Day, and Father's Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, useful for financing large purchases with promotional offers, good for building credit.

Top Negative:
High interest rates after promotional period, limited use outside Adairs, customer service can be slow, deferred interest can be tricky.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Card
  • Discover it® Secured Credit Card
  • Amazon Store Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 85.0%

Version Control
PENDING