Bob's Discount Furniture Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: bobs-discount-furniture-credit-card

Issuer: Synchrony

Card Name: Bob's Discount Furniture Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 17:04

Last Scraped: Feb 16, 2026 17:06

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with the Servicemembers Civil Relief Act (SCRA), offering an interest rate reduction to 6% on existing balances for eligible accounts opened prior to active duty.

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Account Management 1
Online Account Access
24/7 access

Conveniently manage your Bob's Discount Furniture Credit Card account online 24/7. Features typically include viewing statements, making payments, and updating personal and account information.

Financial 1
No Annual Fee
No annual fee

There is no annual fee charged for maintaining the Bob's Discount Furniture Credit Card account.

Shopping 2
Special Financing Offers
Varies by promotion (e.g., 0% APR for X months)

Access to promotional financing options, such as deferred interest or equal payment plans, on qualifying purchases made at Bob's Discount Furniture. Specific terms, minimum purchase requirements, and promotional periods apply and vary by offer.

Exclusive Cardholder Promotions
Varies by promotion

Receive special offers, discounts, and promotional events available exclusively to Bob's Discount Furniture Credit Cardholders.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Special Financing

Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Rules (2026): Applicants must be 18 years or older (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to credit approval by Synchrony Bank. A sufficient verifiable income is required, and applicants must consent to a credit inquiry. Bonus Rule (2026 Projection): New cardholders typically qualify for promotional financing offers, such as 0% APR for 12, 24, or 36 months on qualifying purchases, subject to minimum purchase amounts and deferred interest terms. Specific introductory offers may include a percentage discount on the first purchase (e.g., 10% off up to $500) or enhanced financing for a limited period. Eligibility: Same as application rules.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for traditional bonus; promotional financing is activated upon qualifying purchase.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, repeated opening and closing of accounts for promotional financing, missed payments or delinquency on any Synchrony account, significant adverse changes in credit profile (e.g., bankruptcy, high utilization), suspected fraudulent activity, or abuse of terms and conditions.

Cliff Effect Rules: Generally not applicable for store-specific cards. While there isn't a 'card family' cliff effect, eligibility for new cardholder bonuses or specific promotional financing offers may be restricted if you have recently held or currently hold the Bob's Discount Furniture credit card.

Special Events: Common special events include Memorial Day Sales, Labor Day Sales, President's Day Sales, store anniversary events, seasonal promotions (e.g., Spring Home Event, Fall Refresh), and exclusive cardholder-only financing offers.

Holiday Promos: Key promotional periods typically align with major holidays such as Black Friday/Cyber Monday, Christmas/End-of-Year Sales, New Year's Sales, and other national holidays like Mother's Day or Father's Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval and access to special promotional financing for large furniture purchases, helping manage budget for big-ticket items.

Top Negative:
High deferred interest APR if promotional terms are not met, limited use outside of Bob's Discount Furniture, and frequent complaints about Synchrony Bank customer service.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One SavorOne
  • Wells Fargo Reflect Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $25.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0