Ashley Advantage™ Visa® Card
Basic Information
Program ID: ashley-advantage-visa-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:01
Last Scraped: 01/15/2026 09:27
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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: 2,124.00% - 2,924.00%
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: $200.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Ashley HomeStore purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire after 24 months of account inactivity.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Primary Rental Protection
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 780
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion, Experian
Issuer Rules
Rules: The Ashley Advantage Visa Card, issued by Synchrony, is projected for 2026 to offer a tiered rewards structure primarily focused on Ashley HomeStore purchases, with a lower earn rate on everyday spending categories. A typical sign-up bonus might include a percentage back on initial Ashley purchases (e.g., 10-20% back up to a certain amount) or a general spend bonus (e.g., $100 statement credit after spending $500 outside Ashley HomeStore within the first 3 months). Eligibility requirements are expected to remain consistent with Synchrony's general criteria: applicants must be at least 18 years old, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), be a U.S. resident, and have a credit history that meets Synchrony's underwriting standards (typically good to excellent credit for the Visa version, while the store-only card might accept fair credit). Approval is also contingent on Synchrony's assessment of overall credit exposure and past relationship history.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony products, excessive credit limit increase requests, frequent balance transfers followed by immediate spending, defaulting on payments, suspicious account activity, rapid application for multiple Synchrony cards, abuse of return policies, or any activity deemed fraudulent or high-risk by Synchrony's fraud detection systems.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Easy approval for store financing, useful for large furniture purchases, ability to earn rewards on everyday spending as a Visa card.
Top Negative Feedback:
High interest rates outside of promotional periods, poor customer service from Synchrony, issues with promotional financing terms and billing.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Wayfair Credit Card
- Lowe's Advantage Card
- Discover it Cash Back
Card Value Score: 65.0 / 100
Est. Annual Rewards: $130.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 50% General / 50% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 07/30/2024 00:00