7
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: arhaus-credit-card-synchrony
Issuer: Synchrony
Card Name: The Arhaus Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony Bank provides benefits and protections to eligible Servicemembers and their dependents under the Servicemembers Civil Relief Act (SCRA).
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 7 Total
PENDINGFinancial 1
No Annual Fee
No annual feeCardholders are not charged an annual fee for maintaining the Arhaus Credit Card account.
Financing 5
Special Financing: 12 Months 0% APR
0% APR for 12 months0% APR for 12 months on qualifying purchases of $3,000 or more. Subject to credit approval. Minimum monthly payments required. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.
Special Financing: 24 Months 0% APR
0% APR for 24 months0% APR for 24 months on qualifying purchases of $5,000 or more. Subject to credit approval. Minimum monthly payments required. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.
Special Financing: 36 Months 0% APR
0% APR for 36 months0% APR for 36 months on qualifying purchases of $10,000 or more. Subject to credit approval. Minimum monthly payments required. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.
Special Financing: 48 Months 0% APR
0% APR for 48 months0% APR for 48 months on qualifying purchases of $15,000 or more. Subject to credit approval. Minimum monthly payments required. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.
Special Financing: 60 Months 0% APR
0% APR for 60 months0% APR for 60 months on qualifying purchases of $20,000 or more. Subject to credit approval. Minimum monthly payments required. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.
Shopping 1
Exclusive Cardholder Offers
Varies by offerAccess to special promotions and offers available only to Arhaus Credit Cardholders.
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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Arhaus Credit Card (Synchrony) in 2026 is expected to remain consistent with current Synchrony Bank standards: applicants must be at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident, and possess a valid Social Security Number or Individual Taxpayer Identification Number. Approval is subject to Synchrony Bank's credit underwriting criteria, which typically requires good to excellent credit for optimal financing offers. The primary 'bonus rule' for this store card is access to special promotional financing offers (e.g., 0% APR for a specified period) on qualifying Arhaus purchases, often with minimum spend requirements. These offers are dynamic and subject to change based on Arhaus and Synchrony's marketing strategies.
Max Cards Per Issuer: 7
Min Spend Interval: N/A - Bonuses are typically immediate financing offers or first-purchase discounts, not tied to a cumulative spend interval.
Cliff Effect Rules: Not applicable. Store-specific credit cards like the Arhaus card typically operate independently without complex 'card family' rules or benefits that would create a cliff effect.
Special Events: Frequent promotional financing offers (e.g., 0% APR for 12, 24, 36 months) tied to minimum purchase amounts, often coinciding with Arhaus sales events, new product launches, or seasonal promotions.
Holiday Promos: Common during major retail holidays (e.g., Black Friday, Cyber Monday, Memorial Day, Labor Day, Presidents' Day, seasonal sales) with enhanced financing offers or special discounts for cardholders.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.5 / 5.0
Top Positive:
Offers excellent promotional financing options for large Arhaus purchases, allowing customers to spread out payments without interest if paid on time. No annual fee.
Top Negative:
High deferred interest can be a trap if the balance isn't paid in full by the promotional end date or if a payment is missed. The standard APR is very high, and customer service from Synchrony Bank can be challenging.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Wells Fargo Reflect Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 01/24