B&H Payboo Credit Card

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: bh-payboo-credit-card

Issuer: Synchrony

Card Name: B&H Payboo Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 16:56

Last Scraped: Feb 16, 2026 16:58

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: Instant Sales Tax Refund

Categories: B&H Photo Video purchases

Quarterly Rotating: No

Benefits & Protections (Detailed) 2 Total
PENDING
Financing 1
Special Financing Offers
6 or 12 months special financing

Cardholders can receive special financing terms of 6 or 12 months on eligible purchases made at B&H Photo. Subject to credit approval.

Shopping 1
Sales Tax Exemption
Instant credit equal to sales tax

Cardholders receive an instant credit equal to the sales tax on eligible purchases made at B&H Photo, effectively paying no sales tax.

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
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
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6, 12, 18, or 24 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Supported
Application Process
Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: For 2026, the bh-payboo-credit-card from Synchrony continues its core benefit: an instant refund of sales tax on eligible purchases made at B&H Photo Video. This is a continuous benefit, not a one-time sign-up bonus. Eligibility requirements include being at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria. Applicants are generally expected to have good to excellent credit scores, though Synchrony may consider a broader range for store-branded Visa products. Income verification may be required.

Max Cards Per Issuer: 6

Min Spend Interval: N/A - The primary benefit (sales tax refund) is continuous and not tied to a one-time minimum spend requirement for a bonus.

Shutdown Risk Triggers: Manufactured spending (especially attempts to exploit the sales tax refund mechanism), high cumulative credit limit across all Synchrony accounts relative to reported income, excessive credit seeking (numerous applications with Synchrony or other issuers in a short period), late payments or defaults on any Synchrony account, suspicious activity or fraud flags, and significant adverse changes in financial stability (e.g., bankruptcy).

Cliff Effect Rules: Synchrony assesses total credit exposure across all its accounts (including store cards and general-purpose credit cards). While there isn't a strict 'card family' rule like Chase's 5/24, having too many Synchrony accounts or a very high combined credit limit can lead to denials for new applications or credit limit reductions on existing accounts. Approval for the Payboo Visa may be impacted by existing Synchrony store card limits, even though it is a general-purpose Visa.

Special Events: B&H Photo Video frequently runs special promotions and sales events throughout the year, often tied to major product launches (e.g., new camera bodies, lenses, computing hardware), seasonal themes (e.g., Spring Savings, Summer Clearance, Fall Fest), and specific brand promotions. Cardholders may receive early access or exclusive offers during these periods.

Holiday Promos: Key holiday promotional periods for B&H Photo Video and the Payboo card include Black Friday/Cyber Monday (late November), the extended Christmas/Holiday Shopping Season (November-December), New Year's Sales (January), President's Day (February), Memorial Day (May), Independence Day (July), and Labor Day (September).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Instant sales tax savings is a significant benefit for frequent B&H shoppers, especially on large purchases. Simple and direct reward structure.

Top Negative:
High APR if balances are carried, limited use outside of B&H Photo Video, and some users report inconsistent customer service from Synchrony Bank.

Approval Experience: 75.0 / 100

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

Card Value Score: 85.0 / 100

Est. Annual Rewards: $225.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0