Avenue Credit Card

Synchrony Pending

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6

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: avenue-credit-card

Issuer: Synchrony

Card Name: Avenue Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 15:59

Last Scraped: Feb 16, 2026 16:01

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits under the Servicemembers Civil Relief Act (SCRA) for eligible active-duty servicemembers, including an interest rate reduction to 6% APR on balances incurred prior to active duty.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Points

Bonus Rate: 5x

Categories: Purchases at Avenue.com and in Avenue stores

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as your account remains 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 Certificates may have minimum purchase requirements or exclusions (e.g., gift card purchases).

Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
$0

There is no annual fee charged for maintaining the Avenue Credit Card account.

Lifestyle 1
Birthday Offer
Varies by offer

Cardholders receive a special offer or discount during their birthday month.

Shopping 4
Welcome Offer: First Purchase Discount
15% off

Cardholders receive 15% off their first purchase made with the Avenue Credit Card upon approval.

Rewards Earning Rate
2 points per $1 spent

Earn 2 rewards points for every $1 spent on eligible purchases at Avenue.

Rewards Redemption
$10 reward for 200 points

Receive a $10 reward certificate for every 200 points accumulated. Reward certificates can be used towards future Avenue purchases.

Exclusive Cardholder Offers
Varies by offer

Access to special promotions, discounts, and sales available only to Avenue 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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Fair
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: New cardholders for the Avenue Credit Card typically receive an initial discount (e.g., 15-20% off) on their first Avenue purchase made with the card. Specific offers may vary and are subject to change. Eligibility requirements for 2026 include being at least 18 years old (19 in AL and NE), a U.S. resident with a valid SSN or ITIN, and possessing a fair to good credit history. Approval is subject to Synchrony's credit underwriting standards, which consider factors like credit score, income, existing debt, recent credit inquiries, and the number of existing Synchrony accounts.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for traditional spend-based bonus. The primary new cardholder incentive is typically an immediate discount on the first purchase, not tied to a specific spend interval.

Shutdown Risk Triggers: Late payments, default on any Synchrony account, high cumulative credit exposure across multiple Synchrony cards, suspected fraudulent activity, excessive returns, prolonged inactivity on the card, or significant adverse changes in credit profile (e.g., bankruptcy, high utilization across all credit lines).

Cliff Effect Rules: Synchrony generally allows multiple store cards, but applying for too many cards in a short period (e.g., more than 2-3 within 6 months) can lead to denials due to application velocity. While there are no specific 'family' rules impacting bonus eligibility across different Synchrony store cards, overall credit exposure and recent approvals are considered for new applications.

Special Events: Cardholders frequently receive exclusive discounts, early access to sales, double points days (if a rewards program exists), or special financing offers (e.g., 0% APR for X months on qualifying purchases) tied to Avenue-specific promotions throughout the year.

Holiday Promos: Major retail holiday periods such as Black Friday/Cyber Monday (November-December), Christmas/Post-Holiday Sales (December-January), Valentine's Day (February), Mother's Day (May), Father's Day (June), Back-to-School (July-August), and seasonal clearances.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval for initial discount; good for building credit; exclusive offers for Avenue purchases.

Top Negative:
High APR; low credit limits; customer service issues; limited use outside Avenue.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Target RedCard
  • Capital One Platinum Secured
  • Amazon Store Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2023-09-01