Ashcroft & Oak Credit Card

Synchrony Pending

Back Apply Now

1

Benefits

0

Reward Categories

—

Max Reward

—

APR From
Basic Information
PENDING

Program ID: ashcroft-oak-credit-card

Issuer: Synchrony

Card Name: Ashcroft & Oak Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 15:52

Last Scraped: Feb 16, 2026 15:54

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with the Servicemembers Civil Relief Act (SCRA), providing protections such as an interest rate cap of 6% on certain pre-service obligations and protections from default judgments for eligible servicemembers.

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING
Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing Options
Varies by promotion

Cardholders have access to special financing options for purchases made with the Ashcroft & Oak Credit Card. Specific terms and conditions, including promotional periods and minimum purchase requirements, apply and are typically disclosed at the point of sale.

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
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
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
PENDING
Standard APR
Intro APR Offers

Promo Financing: Special Financing

Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Ashcroft & Oak Credit Card requires applicants to be 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), be a U.S. resident, and meet Synchrony Bank's creditworthiness criteria (typically good to excellent credit, though store cards can be more accessible). Applicants should not have recent bankruptcies. The bonus rule for 2026 offers new cardholders a 15% discount on their first Ashcroft & Oak purchase made within 30 days of account opening, up to a maximum discount of $100. Application rules dictate that applications are primarily processed online via the Ashcroft & Oak website or in-store, subject to Synchrony Bank's underwriting standards. Store-specific restrictions apply, meaning the card is primarily for purchases at Ashcroft & Oak locations and its online store.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, rapid application for multiple Synchrony products, excessive credit limit increase requests, high utilization across Synchrony accounts, repeated late payments, or suspected abuse of promotional offers (e.g., deferred interest).

Cliff Effect Rules: Synchrony does not typically enforce 'card family' restrictions like once-per-lifetime bonuses. However, approval for new Synchrony cards or credit limit increases on existing cards can be negatively impacted by having a high cumulative credit limit across all Synchrony accounts, recent applications, or a high number of open Synchrony accounts.

Special Events: Seasonal sales (e.g., Spring Refresh, Summer Savings, Fall Collection Launch), Black Friday/Cyber Monday, Anniversary Sales, specific product category promotions (e.g., 'Oak Furniture Event').

Holiday Promos: New Year's, Valentine's Day, Easter, Mother's Day, Father's Day, 4th of July, Labor Day, Halloween, Thanksgiving, Christmas/Holiday Season.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Special financing offers are very helpful for large purchases; exclusive discounts are a nice perk; easy to apply and manage account online.

Top Negative:
High interest rates if promotional financing isn't paid off; limited use outside of Ashcroft & Oak; customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Kay Jewelers Credit Card
  • Capital One Quicksilver
  • Amazon Store Card (Synchrony)

Card Value Score: 60.0 / 100

Est. Annual Rewards: $100.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 01/2024