6
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 6 Total
PENDINGFinancing 6
0% Interest Promotional Financing (12 Months)
12 Months 0% InterestReceive 0% interest on purchases of $999 or more if paid in full within 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. Minimum monthly payments required.
0% Interest Promotional Financing (24 Months)
24 Months 0% InterestReceive 0% interest on purchases of $1999 or more if paid in full within 24 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. Minimum monthly payments required.
0% Interest Promotional Financing (36 Months)
36 Months 0% InterestReceive 0% interest on purchases of $2999 or more if paid in full within 36 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. Minimum monthly payments required.
0% Interest Promotional Financing (48 Months)
48 Months 0% InterestReceive 0% interest on purchases of $3999 or more if paid in full within 48 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. Minimum monthly payments required.
0% Interest Promotional Financing (60 Months)
60 Months 0% InterestReceive 0% interest on purchases of $4999 or more if paid in full within 60 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. Minimum monthly payments required.
0% Interest Promotional Financing (72 Months)
72 Months 0% InterestReceive 0% interest on purchases of $5999 or more if paid in full within 72 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. Minimum monthly payments required.
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
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 |
| 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
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility requires applicants to be 18 years or older (19 in AL/NE), a US resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. The primary 'bonus' for this store card is typically special promotional financing offers (e.g., 0% APR for a specified period on qualifying purchases) or occasional cardholder-exclusive discounts. These offers are subject to credit approval, minimum purchase requirements, and specific terms, often involving deferred interest if the promotional balance is not paid in full by the end of the promotional period.
Max Cards Per Issuer: 5
Min Spend Interval: N/A for traditional sign-up bonuses. Promotional financing offers (e.g., 0% APR) apply to specific purchases and have their own terms, typically requiring the promotional balance to be paid in full by the end of the specified period (e.g., 6, 12, 24, 36 months) to avoid deferred interest.
Cliff Effect Rules: Not applicable. Synchrony store cards generally operate independently without 'card family' restrictions or 'once per lifetime' bonus rules tied to other Synchrony products.
Special Events: Regular promotional financing offers (e.g., 0% APR for various durations) tied to minimum purchase amounts. Seasonal sales events (e.g., Spring Sale, Summer Savings, Fall Collection, Year-End Clearance) often feature enhanced financing terms or exclusive cardholder discounts. Special in-store events or anniversary sales may also offer unique cardholder benefits.
Holiday Promos: Major US holidays such as Memorial Day, Labor Day, Black Friday/Cyber Monday, Christmas/New Year, and President's Day are common periods for enhanced promotional financing offers and special discounts for cardholders at Belfort Furniture.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.5 / 5.0
Top Positive:
Offers special financing promotions for large purchases; Helps spread out payments for furniture; Easy application process.
Top Negative:
High interest rates after promotional period; Poor customer service from Synchrony; Credit limit issues; Difficult to manage payments.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Wells Fargo Reflect Card
- Chase Freedom Unlimited
- Citi Custom Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $500.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0