Arhaus Credit Card

Synchrony Pending

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0

Benefits

0

Reward Categories

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Max Reward

23%

APR From
Basic Information
PENDING

Program ID: arhaus-credit-card

Issuer: Synchrony

Card Name: Arhaus Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:48

Last Scraped: Feb 05, 2026 13:09

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits and protections under the Servicemembers Civil Relief Act (SCRA), including an interest rate reduction to 6% APR or less on eligible balances for active-duty Servicemembers on accounts opened prior to active-duty service.

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING

Reward Type: Store Credit

Base Rate: 0x

Bonus Rate: 5x

Categories: 5x Arhaus Purchases

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Store credit typically expires 12 months after issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 0x

Transfer Partners: N/A

Redemption Penalties: None

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

$100

Cash Back

Requirement: Spend $1,000 in 30 days

Timing: Discount is typically applied at the point of sale when the qualifying first purchase is made using the new Arhaus Credit Card.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
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: 22.99% - 29.99%

Balance Transfer APR: 0%

Cash Advance APR: 31.99%

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 purchase is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility requires applicants to be 18+ years old, a US resident, possess a valid SSN/ITIN, and meet Synchrony's creditworthiness criteria (typically good to excellent credit). The primary 'bonus rule' for the Arhaus credit card is access to special promotional financing offers (e.g., 0% APR for X months) on qualifying purchases, rather than traditional points or cash back sign-up bonuses. These are deferred interest promotions, meaning interest accrues from the purchase date if the balance is not paid in full by the end of the promotional period.

Max Cards Per Issuer: 7

Min Spend Interval: Promotional financing offers typically require a minimum purchase amount (e.g., $999, $1999) to qualify for specific financing terms (e.g., 6, 12, 24, 36, or 48 months). The 'interval' refers to the duration of this promotional APR period.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, missed payments, defaulting on any Synchrony account, suspected fraudulent activity, excessive credit-seeking behavior (numerous applications in a short period), or significant adverse changes in credit profile.

Cliff Effect Rules: Not applicable. Store cards like Arhaus do not typically belong to a 'card family' with tiered benefits or downgrade paths that would trigger a cliff effect.

Special Events: Arhaus frequently offers enhanced financing promotions or exclusive discounts during major store-specific sales events (e.g., seasonal sales, anniversary events, new collection launches) or clearance periods. These are typically advertised directly by Arhaus.

Holiday Promos: Expect special financing offers or increased discounts during peak shopping seasons such as Black Friday, Cyber Monday, the broader Christmas/Holiday season (November-December), and other major US holidays like Memorial Day, Labor Day, and Presidents' Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Special financing options allow large purchases to be made more affordable over time; exclusive discounts and promotional offers for Arhaus shoppers.

Top Negative:
High deferred interest rates if promotional balance is not paid in full; customer service issues reported for Synchrony Bank; limited utility outside of Arhaus purchases.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Amazon Prime Rewards Visa Signature Card
  • Wells Fargo Active Cash Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0