American Signature Furniture Credit Card

Synchrony Pending

Back Apply Now

0

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: american-signature-furniture-credit-card

Issuer: Synchrony

Card Name: American Signature Furniture Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:51

Last Scraped: Feb 05, 2026 13:09

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Promotional Financing & Store Discounts

Base Rate: 0x

Bonus Rate: 0x

Categories: Special financing offers and discounts apply exclusively to purchases made at American Signature Furniture and Value City Furniture stores. No traditional points or cash back are earned on purchases.

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Promotional financing offers have specific terms and expiration dates. This card does not earn points, so there is no point expiration policy.

Point Value: 0¢

Travel Portal Multiplier: 0x

Transfer Partners: N/A - This card does not offer a points-based rewards program with transfer partners.

Redemption Penalties: N/A - Not applicable for promotional financing or direct discounts.

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

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
PENDING

$50

Cash Back

Requirement: Spend $500 in 90 days

Timing: Statement credits typically post within 1-2 billing cycles (30-60 days) after the spending requirement is met.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: N/A
Cash Advance: N/A
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 740
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The American Signature Furniture Credit Card, issued by Synchrony, primarily offers special financing promotions rather than traditional points or cashback bonuses. Eligibility requirements for 2026 include being at least 18 years old (19 in Alabama and Nebraska), a US resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria. Application is typically available in-store or online via American Signature Furniture's website. Promotional financing offers (e.g., 0% APR for X months) are usually tied to specific purchase amounts and are advertised at the point of sale. Standard APR applies after the promotional period if the balance is not paid in full.

Max Cards Per Issuer: 3

Min Spend Interval: N/A for traditional bonus spend; promotional financing terms are tied to specific purchase amounts and periods.

Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, excessive credit seeking (too many applications in a short period), defaulting on payments, significant derogatory marks on credit report, suspicious or fraudulent activity, and breaching Synchrony's terms of service. While less common for store cards, manufactured spending could also be a general trigger for Synchrony.

Cliff Effect Rules: Not applicable; this is a single-brand store credit card with no associated card family or complex 'cliff effect' rules.

Special Events: Seasonal sales events (e.g., Spring Sale, Summer Savings, Fall Collection), clearance events, specific product category promotions (e.g., mattress sales, living room sets), and special financing offers tied to these events.

Holiday Promos: Major US holidays (e.g., Memorial Day, Labor Day, Black Friday/Cyber Monday, Presidents' Day, 4th of July, Christmas/New Year's).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, useful for store-specific discounts and promotional financing offers.

Top Negative:
High interest rates after promotional period, limited use outside the specific store, customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One Quicksilver
  • Amazon Store Card
  • Discover it Secured Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0