Boscov's Credit Card
Basic Information
Program ID: boscovs-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:35
Last Scraped: 01/15/2026 08:57
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $10.00
Spending Requirement: $100.00
Time Period: 30 days
Bonus Timing: Typically within 1-2 billing cycles after requirement is met, often within 2-4 weeks.
Rewards Program
Reward Type: Points
Base Reward Rate: 2.00%
Bonus Reward Rate: 5.00%
Bonus Categories: Boscov's purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after account inactivity or closure. Reward Certificates have specific expiration dates.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, or Equifax)
Issuer Rules
Rules: The Boscov's Credit Card, issued by Synchrony, is primarily designed for purchases at Boscov's stores and online. Eligibility requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident, possess a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria. While approval is often possible with fair credit, a stronger credit profile may lead to better terms and higher credit limits. The typical 'bonus rule' for this card is an initial discount (e.g., 15-20% off) on the first purchase made with the card. Ongoing rewards usually include earning points or a percentage back on Boscov's purchases, redeemable for Boscov's gift cards or statement credits applicable to Boscov's purchases. Special promotional financing offers on qualifying large purchases are also common.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for a traditional sign-up bonus; initial discounts are typically immediate upon first use. Ongoing rewards accrue with every qualifying purchase at Boscov's.
Shutdown Risk Triggers: Excessive credit seeking with Synchrony (multiple applications in a short period), high cumulative credit limit across all Synchrony accounts, late or missed payments, suspected fraudulent activity, abuse of promotional financing terms, high utilization across the Synchrony portfolio, and significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.4 / 5.0
Top Positive Feedback:
Easy approval process, beneficial for building credit, offers decent rewards (2% back) and special financing for frequent Boscov's shoppers, especially with the initial discount.
Top Negative Feedback:
High Annual Percentage Rate (APR), rewards are restricted to Boscov's, frequent complaints about Synchrony Bank's customer service, and potential pitfalls with deferred interest on special financing if balances aren't paid in full.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Macy's Credit Card
- Kohl's Charge Card
- Target RedCard
Card Value Score: 60.0 / 100
Est. Annual Rewards: $25.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0