Avenue Credit Card

Synchrony Pending

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2

Benefits

2

Reward Categories

2x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: avenue-store-card

Issuer: Synchrony

Card Name: Avenue Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 16:04

Last Scraped: Feb 16, 2026 16:06

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony provides benefits under the Servicemembers Civil Relief Act (SCRA) for eligible active-duty servicemembers, their spouses, and dependents. This includes interest rate reductions to 6% APR on pre-service obligations, protection from default judgments, and other financial relief.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Avenue Purchases 2x Points Purchases made at Avenue stores or avenue.com No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 2x

Categories: Avenue purchases

Quarterly Rotating: No

Expiration Policy: Points expire 12 months from the date they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of 500 points for a $5 discount.

Benefits & Protections (Detailed) 2 Total
PENDING
Lifestyle 1
Online Account Management

Convenient access to manage your credit card account online, including paying bills, viewing statements, and updating personal information.

Security 1
Fraud Protection
Zero liability for unauthorized purchases

Protection against unauthorized charges on your account, typically including zero liability for fraudulent purchases.

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: 32.24% - 32.24%

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 6 or 12 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Avenue Store Card (2026) requires applicants to be at least 18 years of age (19 in Alabama and Nebraska), possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a verifiable U.S. residential address. Approval is subject to Synchrony's creditworthiness criteria, typically requiring fair to good credit. New cardholders often receive an initial discount (e.g., 20-30% off) on their first Avenue purchase. Ongoing benefits may include exclusive cardholder sales, birthday discounts, and special financing offers on qualifying purchases.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for initial bonus; initial discount applies to first purchase. Ongoing rewards are typically earned immediately upon qualifying purchases.

Shutdown Risk Triggers: Excessive credit seeking, high cumulative credit limit across Synchrony accounts relative to income, missed payments, suspected fraudulent activity, abuse of return policies or promotional offers specific to Avenue, and non-compliance with Synchrony's terms and conditions.

Cliff Effect Rules: Not applicable. Store cards like the Avenue Store Card typically operate as standalone products without complex 'family' rules or bonus eligibility restrictions tied to other Synchrony or Avenue-branded credit products.

Special Events: Exclusive cardholder-only sales events, double points days on specific categories or dates, early access to new collections, birthday discounts, and special financing offers on larger purchases.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Valentine's Day, Mother's Day, Father's Day, Memorial Day, Labor Day, Back-to-School, and seasonal clearance events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval for fair credit, initial discount offers, helpful for building credit.

Top Negative:
High APR, limited use, low credit limits, occasional customer service issues.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Store Card (Synchrony)
  • Target RedCard (TD Bank)
  • Capital One Platinum Secured Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v08.23