Ashley Advantage Credit Card
Basic Information
Program ID: ashley-advantage-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:30
Last Scraped: 01/15/2026 08:51
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| 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: Discount is typically applied at the point of sale for the qualifying purchase, or as a statement credit within 1-2 weeks after the qualifying purchase is made.
Rewards Program
Reward Type: Special Financing & Store Discounts
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special financing offers and exclusive discounts on Ashley HomeStore purchases. Rewards are not earned as points or cashback on general spend.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Benefits are typically immediate discounts or special financing terms with specific promotional periods. There is no traditional points expiration.
Transfer Partners: N/A - Not a travel rewards card.
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: TransUnion
Issuer Rules
Rules: Eligibility: Applicants must be 18 years or older, a U.S. resident with a valid Social Security Number or ITIN, and demonstrate sufficient income and creditworthiness as determined by Synchrony. Approval is subject to Synchrony's credit underwriting standards. Bonus/Promotional Rules: The Ashley Advantage card primarily offers promotional financing options (e.g., 'No Interest if Paid in Full' for specific periods) on qualifying purchases made at Ashley stores or AshleyFurniture.com. Specific promotional offers vary by purchase amount and time, and are subject to credit approval. There are typically no traditional sign-up bonuses with a spend requirement.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional sign-up bonuses; promotional financing terms vary by offer.
Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, multiple recent applications (especially for other Synchrony cards), missed payments, going over credit limit, suspicious or fraudulent activity, sudden changes in spending patterns inconsistent with a store card, and bankruptcy filings. Manufactured spending is generally not applicable for a store-specific card.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.5 / 5.0
Top Positive Feedback:
Special financing offers are excellent for large furniture purchases, allowing customers to furnish their homes without immediate upfront costs. The card is relatively easy to get approved for, making it accessible for many.
Top Negative Feedback:
The high APR after the promotional financing period can be a significant drawback if balances are not paid in full. The card's utility is strictly limited to Ashley Furniture stores, offering no value for general spending. Some users report issues with customer service and understanding deferred interest terms.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Quicksilver Cash Rewards Credit Card
- Lowe's Advantage Card (Synchrony)
- Citi Double Cash Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0