Bassett Credit Card
Basic Information
Program ID: bassett-furniture-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 18:16
Last Scraped: 01/16/2026 02:59
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Rewards Program
Reward Type: Promotional Financing
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special financing offers on Bassett Furniture purchases. No traditional points or cashback rewards on general spend or specific categories.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Benefits are primarily promotional financing, not expiring points/rewards. Deferred interest terms apply to financing offers.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: Eligibility: Applicants must be 18 years of age or older (19 in AL/NE), a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to Synchrony Bank's creditworthiness criteria, typically requiring fair to good credit. The primary benefit is promotional financing offers (e.g., 0% APR for a specified period) on qualifying purchases made at Bassett Furniture stores or online. Specific terms, including minimum purchase amounts and promotional durations, vary by offer. Deferred interest is common, meaning if the promotional balance is not paid in full by the end of the period, interest will be charged from the original purchase date. Standard APR applies after the promotional period. Application is available in-store or online.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: N/A - Promotional financing applies to specific purchases at the point of sale, not a cumulative spend for a bonus.
Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, missed or consistently late payments, defaulting on other Synchrony accounts, suspected fraudulent activity, bankruptcy, or extended periods of inactivity followed by a sudden, large purchase.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval process for furniture purchases; offers valuable special financing promotions (e.g., 0% APR); convenient for managing large furniture expenses.
Top Negative Feedback:
High interest rates after promotional period; deferred interest can be costly if not paid in full; limited utility outside Bassett Furniture; mixed experiences with Synchrony customer service.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Discover it Cash Back
- Capital One Quicksilver
Card Value Score: 60.0 / 100
Est. Annual Rewards: $25.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0