0
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGProgram ID: band-merch-credit-card
Issuer: Synchrony
Card Name:
Card Type:
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed)
No Card Benefits Available
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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
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Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: New cardholders receive a 15% discount on their first band merchandise purchase made within 30 days of account opening, up to a maximum discount of $50. Additionally, earn a $75 statement credit after spending $500 on eligible band merchandise within the first 90 days. Eligibility requirements: Applicants must be at least 18 years of age, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. Approval is subject to credit history review. Existing Synchrony cardholders may be approved for additional cards, but overall credit exposure with Synchrony will be considered.
Max Cards Per Issuer: 7
Min Spend Interval: 90 days
Cliff Effect Rules: While Synchrony does not enforce strict 'X/24' or 'once per lifetime' rules for store cards, approval for new cards or credit limit increases is subject to an overall assessment of the applicant's total credit exposure with Synchrony. Reaching a high cumulative credit limit across multiple Synchrony accounts may make it more challenging to obtain further credit, even if individual card limits are low. Each application is evaluated independently.
Special Events: Exclusive early access to new band merchandise drops, discounted concert ticket pre-sales, special financing offers during album release weeks, and member-only virtual fan events.
Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Valentine's Day, Mother's Day, Father's Day, and specific band anniversary or tour dates.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Easy to get approved for, great discounts on merch, special access to pre-sales and exclusive items.
Top Negative:
High interest rates, rewards are hard to redeem, customer service is unhelpful, limited use outside of specific merchants.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
- PayPal Cashback Mastercard
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0