10
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 10 Total
PENDINGFinancial 1
No Annual Fee
No annual feeThe Bargain Outlets Credit Card does not charge an annual fee.
Lifestyle 1
Online Account Management
Online accessAccess and manage your Bargain Outlets Credit Card account conveniently online, including viewing statements, making payments, and updating information.
Shopping 8
6 Months Special Financing
6 months on purchases $299+Receive 6 months of special financing on qualifying purchases of $299 or more made with your Bargain Outlets Credit Card. Subject to credit approval.
12 Months Special Financing
12 months on purchases $499+Receive 12 months of special financing on qualifying purchases of $499 or more made with your Bargain Outlets Credit Card. Subject to credit approval.
24 Months Special Financing
24 months on purchases $999+Receive 24 months of special financing on qualifying purchases of $999 or more made with your Bargain Outlets Credit Card. Subject to credit approval.
36 Months Special Financing
36 months on purchases $1499+Receive 36 months of special financing on qualifying purchases of $1499 or more made with your Bargain Outlets Credit Card. Subject to credit approval.
48 Months Special Financing
48 months on purchases $1999+Receive 48 months of special financing on qualifying purchases of $1999 or more made with your Bargain Outlets Credit Card. Subject to credit approval.
5 Years Special Financing
5 years on purchases $2499+Receive 5 years (60 months) of special financing on qualifying purchases of $2499 or more made with your Bargain Outlets Credit Card. Subject to credit approval.
6 Years Special Financing
6 years on purchases $2999+Receive 6 years (72 months) of special financing on qualifying purchases of $2999 or more made with your Bargain Outlets Credit Card. Subject to credit approval.
Dedicated Credit Line for Home Furnishings
Dedicated credit lineUtilize a dedicated revolving line of credit specifically for your home furnishing purchases at Bargain Outlets.
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
PENDINGAdditional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
No Interest Rate Data Available
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Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility requirements for the 'bargin-outlet-credit-card' include being at least 18 years old, a U.S. resident, and possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Applicants are generally expected to have a fair to good credit history. The typical bonus rule for new cardholders is 20% off their first purchase made within 30 days of account opening, with a maximum discount of $100. Application approval is subject to Synchrony's credit underwriting standards. Existing Synchrony cardholders may face stricter approval criteria if they have recently opened multiple Synchrony accounts (e.g., 2+ in 6 months) or have a high existing credit exposure with Synchrony. This card is exclusively for use at 'Bargin Outlet' stores and their official online platform; store-specific restrictions apply.
Max Cards Per Issuer: 5
Min Spend Interval: 30 days
Cliff Effect Rules: Synchrony does not have explicit 'card family' rules like some other issuers. However, approval for new Synchrony cards, including store cards, is significantly impacted by the number of recently opened Synchrony accounts (e.g., 2 new accounts in 6 months or 3 in 12 months may lead to denials) and the total credit extended across all Synchrony products. This effectively creates a 'cliff' where further applications are denied due to perceived over-extension or high credit risk, regardless of individual card benefits.
Special Events: Exclusive early access to seasonal sales (e.g., Spring/Fall collections), cardholder-only discount days (e.g., 10-15% off entire purchase on specific dates), birthday discounts or special offers, and double points/cashback on specific product categories or during limited-time promotions.
Holiday Promos: Black Friday/Cyber Monday (enhanced discounts, e.g., extra 5-10% off sale prices), Christmas/Holiday Season (special financing offers or bonus rewards on purchases), Back-to-School (targeted discounts on relevant items), and major holiday weekends like Memorial Day/Labor Day (weekend sales with additional cardholder benefits).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Easy approval process, special financing offers, convenient for large purchases at Bargain Outlets.
Top Negative:
High interest rates if promotional period is missed, limited use outside the store, customer service can be challenging.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured
- Discover it Secured
- Petal 2 Visa
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0