Adorama Edge Credit Card
Basic Information
Program ID: adorama-edge-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 11:56
Last Scraped: 01/15/2026 11:58
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater (maximum $100) |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No sign-up bonus or welcome offer is currently advertised for the Adorama Edge Credit Card on the official product page. The primary benefits highlighted are ongoing rewards (5% back on Adorama purchases) and special financing options.
Rewards Program
Reward Type: Points
Base Reward Rate: 5.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on Adorama purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards expire 12 months after they are issued.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: For 2026, the Adorama Edge Credit Card, issued by Synchrony, primarily offers special financing promotions rather than traditional sign-up bonuses. Eligibility requirements include being a U.S. resident, at least 18 years old, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating a credit profile typically ranging from good to excellent (though store cards can sometimes be approved with fair credit, better credit yields higher limits and more favorable promotional terms). Applicants must also have verifiable income. The 'bonus rule' for this card centers on promotional financing offers, such as 0% APR for a specified period (e.g., 6, 12, 18 months) on qualifying purchases over a certain amount. These are typically 'deferred interest' promotions, meaning interest accrues from the purchase date but is waived if the full promotional balance is paid off by the due date. Standard purchase APR applies if not paid in full. Specific offers vary by purchase amount and promotional period, and store-specific restrictions apply to eligible products or services for financing.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: Not applicable for traditional sign-up bonuses. Promotional financing offers typically apply to specific purchases at the time of transaction, without a separate minimum spend interval for an initial bonus. Eligibility for promotional terms is determined at the point of sale.
Shutdown Risk Triggers: Common triggers for Synchrony account shutdowns include: high cumulative credit limit across multiple Synchrony accounts, rapid succession of credit line increase requests, excessive credit seeking, missed payments, suspected fraudulent activity (e.g., manufactured spending, though less common for a store card unless involving gift card arbitrage within Adorama), or significant adverse changes in the cardholder's credit profile indicating higher risk.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Excellent financing options for large purchases at Adorama, no annual fee, good for frequent Adorama shoppers.
Top Negative Feedback:
High deferred interest APR if balance isn't paid in full, limited use outside Adorama, some users report issues with Synchrony customer service.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- B&H Payboo Credit Card
- Amazon Prime Rewards Visa Signature
- Best Buy Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $25.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0