Ashley Advantage Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

32%

APR From
Basic Information
PENDING

Program ID: ashley-advantage-credit-card

Issuer: Synchrony

Card Name: Ashley Advantage Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:30

Last Scraped: Feb 15, 2026 15:54

Apply URL: Visit

Home URL: Visit

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) 4 Total
PENDING
Cost Savings 1
No Annual Fee
$0 Annual Fee

The Ashley Advantage credit card does not charge an annual fee for card membership.

Lifestyle 1
Online Account Management
N/A

Cardholders can conveniently manage their Ashley Advantage credit card account online, including viewing statements, making payments, and checking balances.

Shopping 2
Special Promotional Financing
Varies by promotion

Cardholders can access special promotional financing offers on qualifying Ashley Furniture purchases, allowing them to pay over time without interest if the promotional balance is paid in full by the end of the promotional period. Specific offers vary and are subject to credit approval.

Exclusive Cardholder Offers
Varies by offer

Cardholders receive access to special promotions, discounts, and exclusive offers available only to Ashley Advantage credit cardholders.

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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 31.99% - 31.99%

Cash Advance APR: 31.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18, 24, 36, 48 or 60 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 680
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The Ashley Advantage Credit Card, issued by Synchrony, primarily offers special promotional financing on qualifying purchases made at Ashley Furniture stores and ashleyfurniture.com. There is no traditional sign-up bonus with a minimum spend requirement. Eligibility requirements typically include being at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria. Approval is subject to credit approval.

Max Cards Per Issuer: 10

Min Spend Interval: Not applicable; benefits are tied to promotional financing at the point of sale rather than a traditional sign-up bonus spend interval.

Shutdown Risk Triggers: High credit utilization across all Synchrony accounts, excessive credit limit increase requests without corresponding account usage, defaulting on payments, late payments, suspicious activity or suspected fraud, and opening too many Synchrony accounts in a short period leading to high total credit exposure relative to income.

Cliff Effect Rules: Not applicable; the Ashley Advantage Credit Card is a standalone store card and does not typically fall under complex card family rules or 'cliff effect' scenarios common with general-purpose credit card families.

Special Events: Regular promotional financing offers tied to specific Ashley Furniture sales events (e.g., 'President's Day Sale,' 'Summer Savings Event,' 'Anniversary Sale'), exclusive cardholder-only discounts, and early access to new product launches or sales.

Holiday Promos: Enhanced promotional financing or discounts during major U.S. holidays and shopping periods (e.g., Memorial Day, Labor Day, Black Friday, Cyber Monday, Christmas/New Year's sales).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Access to special financing offers for large purchases, no annual fee, exclusive cardholder benefits, relatively easy approval for fair credit.

Top Negative:
High APR if promotional financing is not paid off in time, limited use outside Ashley Furniture, potential for customer service issues with Synchrony Bank.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Wayfair Credit Card
  • Lowe's Advantage Card
  • Capital One Platinum Secured Credit Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0