Boscov's Credit Card

Synchrony Pending

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7

Benefits

2

Reward Categories

4x

Max Reward

34%

APR From
Basic Information
PENDING

Program ID: boscovs-credit-card

Issuer: Synchrony

Card Name: Boscov's Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:35

Last Scraped: Feb 05, 2026 12:57

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank is committed to providing assistance to our military customers and their families. If you are an active duty Servicemember, or a dependent of an duty Servicemember, you may be entitled to certain benefits under the Military Lending Act (MLA) and/or the Servicemembers Civil Relief Act (SCRA).

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Boscov's Purchases 4x Points Earned on purchases made at Boscov's stores or online with the Boscov's Platinum Credit Card. This card can only be used at Boscov's locations and boscovs.com. No Cap
Boscov's Purchases 2x Points Earned on purchases made at Boscov's stores or online with the standard Boscov's Credit Card. This card can only be used at Boscov's locations and boscovs.com. No Cap
Rewards Summary
PENDING

Reward Type: Store Credit

Base Rate: 0x

Bonus Rate: 4x

Categories: Boscov's purchases

Quarterly Rotating: No

Expiration Policy: Rewards certificates expire 90 days from issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption amount of $10. Rewards cannot be used for gift card purchases or to pay your credit card bill.

Benefits & Protections (Detailed) 7 Total
PENDING
Financial 2
No Annual Fee
$0 annual fee

The Boscov's Credit Card has no annual fee.

Special Financing Offers
Varies by offer

Cardholders may be eligible for special financing offers on qualifying purchases.

Lifestyle 1
Special Birthday Offer
Special offer

Cardholders receive a special offer during their birthday month.

Security 1
Online Account Management
Online access

Manage your Boscov's Credit Card account online, including viewing statements, making payments, and updating information.

Shopping 3
Rewards Points Earning
2 points per $1 spent

Earn 2 points for every $1 spent on Boscov's Credit Card purchases.

Rewards Certificate Redemption
$10 certificate for 1,000 points

Redeem 1,000 points for a $10 Boscov's Rewards Certificate.

Exclusive Cardholder Savings Events
Access to exclusive events

Access to special savings events available only to Boscov's 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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 33.99% - 33.99%

Cash Advance APR: 33.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The Boscov's Credit Card, issued by Synchrony, typically offers benefits such as a discount on the first purchase (e.g., 15% off up to a certain amount) and ongoing rewards (e.g., 2-4 points per $1 spent at Boscov's, 1 point elsewhere) or special financing options on qualifying purchases. Eligibility requirements for 2026 include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid SSN or ITIN, and demonstrating sufficient income and an acceptable credit history. Synchrony is known for approving a range of credit profiles for store cards, often including those with fair to good credit.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional sign-up bonuses; benefits are typically immediate (e.g., first purchase discount) or ongoing (e.g., rewards points, special financing).

Shutdown Risk Triggers: Excessive returns, abuse of promotional financing offers, late payments across any Synchrony accounts, high cumulative credit limit across multiple Synchrony products, suspicious purchasing patterns (e.g., large gift card purchases if allowed), opening too many Synchrony accounts in a very short period.

Cliff Effect Rules: Not applicable; the Boscov's Credit Card operates independently without complex card family rules or upgrade/downgrade paths that impact other Synchrony cards.

Special Events: Boscov's Friends & Family sales, specific brand promotions, seasonal clearance events, Boscov's Days, and special in-store events.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Valentine's Day, Mother's Day, Father's Day, Back-to-School, Memorial Day, Labor Day, Columbus Day, and other major U.S. holidays.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval for Boscov's shoppers, offers good discounts and helps build credit for frequent store visitors.

Top Negative:
High interest rates, poor Synchrony customer service, limited utility outside Boscov's, and potential for billing issues.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Kohl's Charge
  • Capital One Platinum Secured
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Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0