0
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGProgram ID: american-signature-furniture-mastercard
Issuer: Synchrony
Card Name: American Signature Furniture Mastercard®
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x on purchases at American Signature Furniture
Quarterly Rotating: No
Expiration Policy: Cash Back rewards expire 24 months after the statement cycle in which they were earned.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Minimum redemption amount of $25.
Benefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended 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 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The American Signature Furniture Mastercard, issued by Synchrony, primarily offers promotional financing on qualifying purchases made at American Signature Furniture stores. These offers typically involve 0% APR for a specified period, subject to minimum purchase amounts and specific terms; interest accrues from the purchase date if the balance is not paid in full by the end of the promotional period. There are generally no traditional cash-back or points sign-up bonuses. Eligibility requirements include being at least 18 years old, having a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), a U.S. mailing address, and meeting Synchrony's creditworthiness criteria, which can vary but generally requires fair to good credit for approval. Application is typically online with an instant decision often available, subject to Synchrony's internal underwriting standards. Store-specific restrictions and promotional terms apply to all offers.
Max Cards Per Issuer: 5
Min Spend Interval: Not applicable for traditional sign-up bonus; promotional financing terms apply to specific purchases.
Cliff Effect Rules: Synchrony does not have specific 'card family' bonus restrictions. However, approvals for new Synchrony cards are heavily influenced by the applicant's total credit exposure across all existing Synchrony accounts. Reaching a high cumulative credit limit with Synchrony can lead to denials for new applications, even with good credit scores, as Synchrony manages its overall risk exposure.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Special financing options for furniture purchases, ability to earn rewards at American Signature Furniture and Value City Furniture, accepted wherever Mastercard is.
Top Negative:
High standard APR outside of promotional periods, customer service issues, credit limit concerns, limited value outside of store-specific purchases.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Ashley Advantage Credit Card
- Chase Freedom Unlimited
- Lowe's Advantage Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $50.00
Approval Probability: 75.0%