BrandsMart USA Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: brandsmart-usa-credit-card

Issuer: Synchrony

Card Name: BrandsMart USA Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:37

Last Scraped: Feb 15, 2026 15:55

Apply URL: Visit

Home URL: Visit

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) 5 Total
PENDING
Account Management 2
Online Account Management

Convenient access to manage your BrandsMart USA Credit Card account online, including viewing statements, making payments, and updating personal information through Synchrony's online portal.

Convenient Monthly Payments

Ability to make convenient monthly payments on your BrandsMart USA Credit Card balance, helping manage your budget.

Cost Savings 1
No Annual Fee
No annual fee

The BrandsMart USA Credit Card does not charge an annual fee for card membership.

Shopping 2
Special Financing Offers
Varies by offer

Access to special financing promotions on qualifying purchases made with the BrandsMart USA Credit Card. Specific terms, minimum purchase requirements, and promotional periods apply and are disclosed at the time of offer.

Exclusive Cardholder Offers
Varies by offer

Access to special discounts, promotions, and deals available only to BrandsMart USA Credit Cardholders, provided periodically by BrandsMart USA.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The BrandsMart USA Credit Card, issued by Synchrony, primarily offers special financing options and exclusive discounts rather than a traditional sign-up bonus. For 2026, expect continued promotional APRs (e.g., 0% APR for 6, 12, 18, or 24 months on qualifying purchases) and cardholder-exclusive discounts during specific sales events. Eligibility requirements typically include: a minimum credit score (generally fair to good, 640+ FICO recommended), a stable income, a valid Social Security Number or ITIN, and being at least 18 years of age. Synchrony also considers existing credit relationships and overall credit exposure when evaluating new applications. Approval is subject to Synchrony's credit underwriting standards.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable; benefits are tied to ongoing purchases and promotional financing offers rather than a one-time spend bonus.

Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, excessive credit limit increase requests, multiple recent Synchrony card applications, manufactured spending (less common for store cards but a general trigger), abuse of promotional financing terms, significant derogatory marks on credit report, or bankruptcy.

Cliff Effect Rules: Synchrony evaluates overall credit exposure across all its issued cards. While there isn't a strict 'family' rule like some major issuers, applying for multiple Synchrony cards in a short period or accumulating a very high total credit limit with Synchrony can lead to denials for new applications or even credit limit reductions on existing accounts. Each new application is assessed against your total Synchrony credit profile.

Special Events: Expect cardholder-exclusive discounts, bonus rewards (if a rewards program is introduced or enhanced), and special financing offers during BrandsMart USA's major sales events, product launches, and anniversary celebrations. These often include additional percentage off specific categories or higher promotional APR terms.

Holiday Promos: Key promotional periods for enhanced card benefits or special financing will align with major retail holidays: Black Friday/Cyber Monday (November), Christmas/Holiday Season (December), Memorial Day (May), Labor Day (September), and President's Day (February). Expect specific offers tailored to these high-volume shopping periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for financing large purchases at BrandsMart USA, with no annual fee and occasional exclusive offers.

Top Negative:
High APR and strict financing terms, coupled with limited utility outside the store and occasional customer service issues.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Best Buy Credit Card
  • Chase Freedom Unlimited
  • Discover it® Secured Credit Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $25.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0