American Signature Furniture Credit Card
Basic Information
Program ID: american-signature-furniture-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:51
Last Scraped: 01/15/2026 13:53
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: | N/A |
| Cash Advance: | N/A |
| 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: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Statement credits typically post within 1-2 billing cycles (30-60 days) after the spending requirement is met.
Rewards Program
Reward Type: Promotional Financing & Store Discounts
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus 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.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Promotional financing offers have specific terms and expiration dates. This card does not earn points, so there is no point expiration policy.
Transfer Partners: N/A - This card does not offer a points-based rewards program with transfer partners.
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
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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.
Maximum Cards Per Issuer: 3
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Easy approval process, useful for store-specific discounts and promotional financing offers.
Top Negative Feedback:
High interest rates after promotional period, limited use outside the specific store, customer service can be inconsistent.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0