5
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) 5 Total
PENDINGFinancing 5
12-Month Special Financing
0% APR for 12 months on purchases $999+Receive 0% APR for 12 months on qualifying purchases of $999 or more made with the Big Sandy Superstore Credit Card. Interest will be charged from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.
24-Month Special Financing
0% APR for 24 months on purchases $1999+Receive 0% APR for 24 months on qualifying purchases of $1999 or more made with the Big Sandy Superstore Credit Card. Interest will be charged from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.
36-Month Special Financing
0% APR for 36 months on purchases $2999+Receive 0% APR for 36 months on qualifying purchases of $2999 or more made with the Big Sandy Superstore Credit Card. Interest will be charged from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.
48-Month Special Financing
0% APR for 48 months on purchases $3999+Receive 0% APR for 48 months on qualifying purchases of $3999 or more made with the Big Sandy Superstore Credit Card. Interest will be charged from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.
60-Month Special Financing
0% APR for 60 months on purchases $4999+Receive 0% APR for 60 months on qualifying purchases of $4999 or more made with the Big Sandy Superstore Credit Card. Interest will be charged from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.
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 |
| 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%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 60 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility requirements for the Big Sandy Superstore Credit Card in 2026 include being at least 18 years of age, a U.S. resident with a valid Social Security Number or ITIN, and possessing a fair to good credit history. Applicants must not have defaulted on any Synchrony Bank account within the last 12 months. New cardholders receive a sign-up bonus of 15% off their first Big Sandy Superstore purchase made within 30 days of account opening, up to a maximum discount of $100. Additionally, purchases of $299 or more qualify for 6 months of 0% APR financing from the date of purchase.
Max Cards Per Issuer: 7
Min Spend Interval: 30 days (for initial purchase discount)
Cliff Effect Rules: Synchrony does not typically enforce 'card family' rules that prevent re-earning bonuses after a specific period. Instead, approvals are based on overall creditworthiness, recent credit inquiries, and total credit exposure across all Synchrony accounts. Applying for too many Synchrony cards in a short period may lead to denials rather than bonus restrictions.
Special Events: Annual 'Big Savings Event' (Spring), 'Customer Appreciation Days' (Fall), exclusive early access to sales for cardholders, and special financing offers on large purchases throughout the year.
Holiday Promos: Black Friday/Cyber Monday week (late November), Post-Christmas/New Year's Clearance (late December - early January), Memorial Day Sale (late May), and Labor Day Sale (early September).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy to apply and get approved, especially for those building credit. Offers promotional financing for large purchases at Big Sandy and other Synchrony HOME network stores.
Top Negative:
High standard APR after promotional periods, customer service can be challenging, limited use outside of specific retail networks.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Capital One Platinum Secured
- Discover it Secured
- Amazon Store Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $75.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0