BrandsMart USA Credit Card
Basic Information
Program ID: brandsmart-usa-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:37
Last Scraped: 01/15/2026 08:59
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $299.00
Time Period: 0 days
Bonus Timing: The discount is typically applied immediately at the point of sale when the first qualifying purchase of $299 or more is made with the new card.
Rewards Program
Reward Type: Cashback Equivalent
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.05%
Bonus Categories: 5x BrandSmart USA Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 780
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Application Eligibility: Applicants must be at least 18 years of age (19 in Alabama and Nebraska), possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and be a U.S. resident with a valid U.S. mailing address. Approval is subject to Synchrony's credit underwriting standards, requiring a satisfactory credit history. Bonus Rule: New cardholders typically qualify for special promotional financing offers, such as 0% APR for 12-24 months on qualifying purchases over a specified minimum amount (e.g., $499 or more), or a percentage discount on their first BrandsMart USA purchase.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for promotional financing offers; bonus is tied to qualifying purchase amount at time of transaction.
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive credit seeking, defaulting on promotional financing terms, missed payments, high utilization on the BrandsMart USA card, or defaulting on other Synchrony-issued credit products.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Good for special financing offers on large purchases at BrandsMart USA; Easy to apply and get approved for; No annual fee.
Top Negative Feedback:
High interest rate after promotional period; Customer service issues with Synchrony Bank; Limited use outside of BrandsMart USA.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Lowe's Advantage Card (Synchrony)
- Best Buy Credit Card (Citi)
- Capital One Platinum Secured Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $25.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 30 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0