Ashley Advantage™ Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: ashley-furniture-industries-credit-card

Issuer: Synchrony

Card Name: Ashley Advantage™ Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 15:54

Last Scraped: Feb 16, 2026 15:56

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

Quarterly Rotating: No

Benefits & Protections (Detailed) 5 Total
PENDING
Lifestyle 2
Online Account Management
Convenience

Cardholders can easily manage their Ashley Advantage™ credit card account online, including viewing statements and making payments.

Convenient Monthly Payments
Convenience

The Ashley Advantage™ credit card offers convenient options for making monthly payments towards purchases.

Shopping 3
Special Financing Offers
Varies by promotion

Access to special promotional financing offers on qualifying purchases made at Ashley Furniture with the Ashley Advantage™ credit card.

No Annual Fee
No annual fee

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

Exclusive Cardholder Offers
Varies by offer

Cardholders receive access to exclusive promotions and discounts available only to Ashley Advantage™ credit card members.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 36 months

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.
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: The Ashley Furniture Industries Credit Card, issued by Synchrony, primarily offers promotional financing rather than traditional sign-up bonuses. Eligibility requirements include being at least 18 years old (19 in AL/NE), having a valid U.S. Social Security Number or ITIN, being a U.S. resident, and demonstrating sufficient income and a satisfactory credit history. While store cards can be more lenient, a history of responsible credit use is expected. Applicants must not be in active bankruptcy. The card is exclusively for purchases at Ashley Furniture stores and ashleyfurniture.com. Promotional financing offers (e.g., 0% APR for X months) are common, often with deferred interest, meaning if the promotional balance is not paid in full by the end of the period, interest is charged from the original purchase date.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional sign-up bonuses. For promotional financing, the 'spend interval' is the purchase date, and the promotional period (e.g., 6, 12, 24 months) begins from that date.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive credit seeking (numerous recent applications with Synchrony or other issuers), missed payments or defaults on any Synchrony account, suspicious activity or potential fraud, abuse of promotional financing terms (e.g., consistently making minimum payments and then defaulting on deferred interest), or bankruptcy filing.

Cliff Effect Rules: The primary 'cliff effect' for this card relates to its promotional financing offers. If the full promotional balance is not paid off by the end of the specified promotional period, all deferred interest from the original purchase date will be retroactively applied to the account, potentially leading to a substantial increase in the amount owed. Additionally, missing payments can result in the loss of promotional rates and the application of standard, higher interest rates.

Special Events: Ashley Furniture frequently runs special sales events such as seasonal collection launches (Spring, Summer, Fall, Winter), anniversary sales, clearance events, cardholder-exclusive preview sales, and new product launch promotions, often accompanied by enhanced financing offers.

Holiday Promos: Key holiday promotional periods include New Year's Day, Presidents' Day, Memorial Day, Fourth of July, Labor Day, Back-to-School season, Black Friday/Cyber Monday (Thanksgiving week), and Christmas/End-of-Year sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Excellent for financing large furniture purchases with promotional APRs; easy application process in-store.

Top Negative:
High deferred interest if not paid in full by promotion end; poor customer service from Synchrony; high standard APR.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Wayfair Credit Card
  • Rooms To Go Credit Card
  • Mattress Firm Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $15.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0