6
Benefits3
Reward Categories5x
Max Reward32.2%
APR FromBasic Information
PENDINGProgram ID: ashley-advantage-visa-card
Issuer: Synchrony
Card Name: Ashley Advantage™ Visa® Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony complies with SCRA and MLA, offering special benefits to eligible active duty servicemembers, spouses, and dependents. Benefits may include interest rate reductions, fee waivers, and other protections.
Rewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Ashley Furniture Purchases | 5x | Cash Back | Purchases made at Ashley HomeStore locations or AshleyFurniture.com | No Cap | |
| Gas & Groceries | 2x | Cash Back | Purchases at gas stations and grocery stores | No Cap | |
| All Other Purchases | 1x | Cash Back | All other eligible purchases not falling into bonus categories | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 2x
Categories: Purchases at Ashley HomeStore and AshleyHomestore.com
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as your account is open and in good standing. Rewards Certificates are valid for 90 days from the date of issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Rewards are issued as certificates upon reaching 1,000 points ($10 value). Certificates expire 90 days from issuance and can only be used for purchases at Ashley HomeStore or as a statement credit on your Ashley Advantage Visa account.
Benefits & Protections (Detailed) 6 Total
PENDINGSecurity 4
Zero Liability Protection
Full protection against unauthorized useProtects cardholders from unauthorized purchases made with their card or account information. Cardholders are not responsible for fraudulent charges processed on the Visa network.
Fraud Monitoring
Proactive monitoring of account activity for suspicious transactions to help prevent unauthorized use and fraud.
ID Theft Resolution Services
Assistance with identity theft resolution, including help with credit bureau notifications and replacement of stolen documents, provided by Visa.
Lost/Stolen Card Assistance
Assistance with reporting a lost or stolen card and arranging for a replacement card, typically expedited.
Shopping 2
Special Financing Offers
Varies by promotionAccess to promotional financing plans on qualifying purchases made at Ashley Furniture and AshleyHomestore.com. Terms and conditions apply.
Worldwide Visa Acceptance
Use your Ashley Advantage Visa Card anywhere Visa credit cards are accepted, in stores and online, globally.
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 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 3.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 32.24% - 32.24%
Balance Transfer APR: 32.24%
Cash Advance APR: 32.24%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, eligibility for the Ashley Advantage Visa Card is projected to require applicants to be at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria, typically requiring a good to excellent credit score. Applicants must also demonstrate sufficient income to support new credit. The primary bonus rule is expected to revolve around deferred interest promotional financing offers (e.g., 0% APR for 12-60 months on qualifying Ashley Furniture purchases), often requiring a minimum purchase amount. A potential sign-up bonus might include a percentage off the first Ashley Furniture purchase (e.g., 10-20% up to a cap) or a small statement credit (e.g., $100-$200) after meeting an initial spend requirement. Store-specific restrictions will apply to all bonus redemptions and promotional financing terms, often excluding certain categories or requiring in-store activation.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months
Cliff Effect Rules: The primary 'cliff effect' for the Ashley Advantage Visa Card relates to its distinction from a potential Ashley Advantage Store Card. Eligibility for the Visa version typically requires a stronger credit profile. If a customer initially qualifies only for the store card, upgrading to the Visa version may require a new application and credit pull, or a significant improvement in credit history. Benefits (e.g., rewards outside Ashley, global acceptance) are significantly different between the store-only and Visa versions, creating a 'cliff' in utility. Additionally, promotional financing offers may vary between the two versions or have different minimum purchase requirements.
Special Events: Expect enhanced promotional financing offers (e.g., longer 0% APR periods, lower minimum purchase for financing) during major Ashley Furniture sales events such as Memorial Day, Labor Day, Black Friday, Cyber Monday, President's Day, and seasonal clearance events. Exclusive cardholder discounts or early access to sales may also be offered.
Holiday Promos: General holiday periods like Christmas/New Year, Valentine's Day, Mother's Day, Father's Day, and Back-to-School often coincide with Ashley Furniture sales, leading to special financing or bonus reward opportunities for cardholders.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.7 / 5.0
Top Positive:
Easy approval for fair credit, attractive special financing offers for large purchases, and store-specific promotions.
Top Negative:
High standard APR, poor customer service, deferred interest pitfalls, and low initial credit limits.
Approval Experience: 78.0 / 100
Recommended Alternatives
- Wayfair Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card
- Discover it Secured Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2023-10