Payboo Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: bh-payboo-card-synchrony

Issuer: Synchrony

Card Name: Payboo Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 16:53

Last Scraped: Feb 16, 2026 16:56

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Sales Tax Refund

Base Rate: 0x

Categories: Sales tax refund on eligible purchases at B&H Photo Video

Quarterly Rotating: No

Redemption Penalties: Refund applies only to sales tax on eligible B&H Photo Video purchases. Returns or cancellations may result in reversal of the sales tax refund.

Benefits & Protections (Detailed) 3 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The Payboo Credit Card does not charge an annual fee to cardholders.

Shopping 2
Instant Sales Tax Savings
Instant sales tax savings on B&H orders

Cardholders can instantly save the sales tax on their entire B&H order when using the Payboo Credit Card for purchases at B&H Photo Video. This benefit is applied at the time of purchase.

Special Financing Offers
Special financing on purchases of $199 or more

Cardholders can choose special financing on purchases of $199 or more made at B&H Photo Video, as an alternative to the instant sales tax savings. Specific financing terms (e.g., 6, 12, 24 months) may apply and are subject to promotional offers.

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: $30.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Special Financing

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18 or 24 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The primary benefit of the bh-payboo-card-synchrony is an instant sales tax refund on eligible purchases made at B&H Photo (online and in-store). This is a continuous benefit, not a one-time bonus. Eligibility requirements for application include: being 18 years or older (19 in AL and NE), a U.S. resident with a valid U.S. mailing address, and possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to Synchrony's credit underwriting standards, typically requiring good to excellent credit, and may involve income verification.

Max Cards Per Issuer: 4

Min Spend Interval: N/A - Benefit is an ongoing sales tax refund on B&H purchases, not a traditional sign-up bonus with a spend requirement.

Shutdown Risk Triggers: Excessive credit seeking (multiple Synchrony applications in a short period), high cumulative credit limit across Synchrony accounts, missed payments, high utilization, suspected fraudulent activity, or significant adverse changes in credit profile.

Cliff Effect Rules: N/A - The Payboo card offers a unique, store-specific benefit for B&H Photo purchases. There are no known 'cliff effects' with other Synchrony cards beyond general creditworthiness and total credit exposure limits.

Special Events: B&H Photo regularly hosts sales events (e.g., Deal Zone promotions, holiday sales, brand-specific promotions, trade shows like NAB/CES specials). The Payboo card's sales tax refund benefit enhances savings during these periods.

Holiday Promos: Major U.S. holidays such as Black Friday, Cyber Monday, Christmas/New Year, Memorial Day, Labor Day, and other seasonal sales events (e.g., Back-to-School, Spring Sales).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Instant sales tax refund on B&H purchases, especially valuable for large electronics purchases. Offers 2% back on dining and 1% everywhere else.

Top Negative:
High APR, limited rewards outside B&H Photo, and occasional customer service issues with Synchrony. Sales tax refund only applies to B&H purchases.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature Card
  • Chase Freedom Unlimited
  • Best Buy Visa Card

Card Value Score: 80.0 / 100

Est. Annual Rewards: $210.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0