Adorama Edge Credit Card

Synchrony Pending

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6

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: adorama-edge-credit-card

Issuer: Synchrony

Card Name: Adorama Edge Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 11:56

Last Scraped: Feb 13, 2026 05:59

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Adorama Purchases 5x Cash Back Purchases made at Adorama. No Cap
All Other Purchases 1x Cash Back Purchases everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

The Adorama Edge Credit Card does not charge an annual fee for card membership.

Lifestyle 1
Online Account Management
N/A

Conveniently manage your Adorama Edge Credit Card account online, including viewing statements, making payments, and checking balances.

Security 1
Fraud Protection (Zero Liability)
Zero liability for unauthorized charges

Cardholders are protected against unauthorized purchases and are typically not held responsible for fraudulent charges made with their Adorama Edge Credit Card.

Shopping 3
5% Back in Adorama Rewards
5% back on Adorama purchases

Earn 5% back in Adorama Rewards on all purchases made with the Adorama Edge Credit Card at Adorama.com and in-store. Rewards can be redeemed for future purchases at Adorama.

Special Financing Offers
Varies by promotion (e.g., 0% APR for X months)

Access to special financing promotions, such as 0% APR for a promotional period, on qualifying purchases made with the Adorama Edge Credit Card. Specific terms and durations vary by promotion.

Exclusive Cardholder Offers
Varies by offer

Receive exclusive promotions, discounts, and special deals available only to Adorama Edge Credit Cardholders.

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
Authorized User 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%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18, 24, 36, 48, or 60 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Rules: Applicants must be 18 years or older, a U.S. resident with a valid Social Security Number or ITIN, and meet Synchrony Bank's creditworthiness criteria. This typically requires good to excellent credit, though approvals with fair credit are possible depending on overall financial profile, including credit score, income, existing debt, and credit history. Bonus Rule: The Adorama Edge Credit Card offers a choice between 5% back in Adorama Rewards or special financing options on qualifying purchases at Adorama. Initial sign-up bonuses may include an immediate discount on a first purchase or enhanced rewards for a limited period.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for a traditional bonus spend interval. Benefits like 5% back or special financing are applied directly to qualifying purchases at Adorama. Any initial sign-up discounts are typically immediate or tied to the first purchase.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive credit seeking (multiple applications in a short period), missed payments or delinquency, abuse of promotional financing offers, and prolonged account inactivity.

Cliff Effect Rules: Synchrony Bank does not typically enforce 'card family' or 'once per lifetime' rules for its store credit cards. Each store card application is generally evaluated independently.

Special Events: Adorama frequently runs special sales events such as Black Friday, Cyber Monday, Holiday Sales, Back-to-School promotions, and brand-specific sales. The Adorama Edge card often provides enhanced special financing offers or bonus rewards during these periods.

Holiday Promos: Major U.S. holidays including New Year's, Memorial Day, Independence Day, Labor Day, Thanksgiving, Black Friday/Cyber Monday, and Christmas are common periods for Adorama to offer special promotions, often enhanced for Adorama Edge cardholders.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.7 / 5.0

Top Positive:
Excellent financing options for expensive photography and video equipment; earns 5% back on all Adorama purchases; no annual fee.

Top Negative:
High deferred interest APR if promotional balance isn't paid in full; only usable at Adorama; customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature
  • B&H Payboo Credit Card
  • Citi Double Cash Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $125.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0