0
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
PENDINGReward Type: Store Credit / Cashback
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x on purchases at Partner Store, 2x on Gas & Groceries, 1x on all other purchases
Quarterly Rotating: No
Cap Amount: $10,000.00
Expiration Policy: Points expire 24 months after earning or if account is inactive for 12 months.
Point Value: 0.01¢
Travel Portal Multiplier: 0x
Transfer Partners: N/A - No transfer partners available.
Redemption Penalties: Minimum redemption of $5.00. Points may be worth less when redeemed for cash back (e.g., 0.5 cents per point) compared to store credit (1 cent per point).
Benefits & Protections (Detailed)
No Card Benefits Available
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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
PENDING$0
Cash BackRequirement: Spend $0 in 0 days
Timing: No traditional sign-up bonus (welcome offer) in the form of points, miles, or cash back for new cardholders was found on the Big Red Tire & Auto financing page. The card primarily offers special financing promotions on qualifying purchases.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 0%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Financing: Deferred Interest
Promo Duration: 24 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The 'big-red-rewards-card' offers 5% back on all purchases made at Big Red stores and 1% back on all other eligible purchases everywhere Visa/Mastercard is accepted. New cardholders receive an additional 10% off their first purchase at Big Red stores within 30 days of account opening. Eligibility requirements for application include: being 18 years of age or older, possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a U.S. mailing address, and demonstrating a fair to good credit history (typically FICO 670+). Applicants must also meet Synchrony's internal income and debt-to-income (DTI) requirements, and have no recent bankruptcies or severe delinquencies. Approval is subject to Synchrony's credit underwriting standards, which consider existing credit relationships with Synchrony and store-specific restrictions.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' rules like some other issuers. However, approvals for new cards, including the 'big-red-rewards-card', are heavily influenced by an applicant's total credit exposure across all existing Synchrony accounts. Reaching a high cumulative credit limit with Synchrony can make it more difficult to be approved for additional credit or receive credit limit increases, even if individual card limits are not maxed out. This effectively creates a 'cliff' where further credit is denied once a certain total exposure threshold is met, regardless of the number of cards.
Special Events: Cardholders can expect exclusive discounts, double points days (e.g., 10% back at Big Red stores), early access to sales events, and special financing offers (e.g., 0% APR for 6-12 months on qualifying Big Red purchases) during various promotional periods throughout the year.
Holiday Promos: Key promotional periods include: Valentine's Day (February), Mother's Day (May), Father's Day (June), Back-to-School (August), Halloween (October), Black Friday/Cyber Monday (November), and the entire Winter Holiday Shopping Season (November-December).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Convenient financing for auto repairs and maintenance, accepted at many gas stations and auto service centers, special promotional financing offers.
Top Negative:
High standard APR, customer service can be inconsistent, limited rewards outside of promotional financing.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne
- Discover it Secured
- Citi Custom Cash
Card Value Score: 70.0 / 100
Est. Annual Rewards: $100.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0