Boscov's Mastercard®

Synchrony Mastercard Pending

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5

Benefits

3

Reward Categories

4x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: boscovs-mastercard

Issuer: Synchrony

Card Name: Boscov's Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 17:07

Last Scraped: Feb 16, 2026 17:09

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Boscov's Purchases 4x Points Purchases made at Boscov's stores or online at Boscovs.com No Cap
Gas & Restaurants 2x Points Purchases made at gas stations and restaurants No Cap
All Other Purchases 1x Points All other purchases everywhere Mastercard is accepted No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 4x

Categories: 4x at Boscov's, 2x on gas and groceries

Quarterly Rotating: No

Expiration Policy: Points expire 24 months from the date they are earned. Rewards Certificates expire 90 days from the date of issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0

The Boscov's Mastercard does not charge an annual fee.

Shopping 4
Boscov's Rewards Program - In-store & Online
2 points per $1

Earn 2 points for every $1 spent on qualifying purchases at Boscov's and boscovs.com.

Boscov's Rewards Program - Everywhere Mastercard is Accepted
1 point per $1

Earn 1 point for every $1 spent on qualifying purchases everywhere else Mastercard is accepted.

Special Financing Offers
Varies by offer

Access to special financing offers on qualifying purchases made with the Boscov's Mastercard.

Exclusive Savings Events
Varies by event

Cardmembers receive access to exclusive savings events.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each transfer, whichever is greater.
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: 21.24% - 31.24%

Balance Transfer APR: 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If you do not pay the full promotional balance by the end of the promotional period, interest will be charged to your account from the purchase date at the standard APR for Purchases.
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: The Boscov's Mastercard, issued by Synchrony, typically offers an initial bonus such as a percentage discount (e.g., 15-20%) off the first purchase made within a specified timeframe, or a small statement credit after meeting a minimal spend requirement. Eligibility for application requires individuals to be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number, and possess a fair to good credit score (generally FICO 640+). Approval is subject to Synchrony's comprehensive credit underwriting standards, which evaluate the applicant's overall credit history, debt-to-income ratio, and existing credit relationships with Synchrony.

Max Cards Per Issuer: 5

Min Spend Interval: 90 days

Shutdown Risk Triggers: Excessive credit limit utilization across multiple Synchrony accounts, consistent late or missed payments, suspected fraudulent activity, rapid accumulation of numerous Synchrony credit products within a short period, abuse of promotional offers or return policies, and significant adverse changes in credit profile.

Cliff Effect Rules: Synchrony does not enforce a strict 'card family' rule in the same manner as some other major issuers. However, an applicant's overall credit exposure and payment history across all existing Synchrony accounts significantly influence approval for new cards, including the Boscov's Mastercard. High cumulative credit limits or recent delinquencies on any Synchrony product can lead to application denials, credit limit reductions, or account closures on existing cards.

Special Events: Boscov's Friends & Family events, seasonal clearance sales (e.g., Spring, Summer, Fall, Winter), Anniversary Sales, specific department promotions (e.g., Home, Apparel, Beauty), and exclusive cardholder-only discount days.

Holiday Promos: Black Friday/Cyber Monday week, Christmas/Holiday shopping season (November-December), Valentine's Day, Mother's Day, Father's Day, Memorial Day, 4th of July, Labor Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval for fair credit, good for building credit, valuable rewards and financing for loyal Boscov's shoppers, exclusive savings and birthday offers.

Top Negative:
High APR, rewards limited to Boscov's, reported customer service issues, limited value for non-Boscov's spending, tricky special financing terms.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Amazon Prime Rewards Visa Signature Card
  • Target RedCard

Card Value Score: 55.0 / 100

Est. Annual Rewards: $65.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0