1
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 1 Total
PENDINGFinancing 1
Special Financing Offers
Varies by promotional offerCardholders gain access to exclusive promotional financing offers on eligible purchases made at Buddy's Home Furnishings. These offers may include deferred interest periods or interest-free payment plans, allowing customers to pay over time under specific promotional terms and conditions.
Benefits Summary (Flags)
PENDINGExtended 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
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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: | $30.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Buddy's Home Furnishings Credit Card, issued by Synchrony, primarily offers special financing promotions for purchases made exclusively at Buddy's Home Furnishings locations or online. Specific promotional offers for 2026, such as deferred interest or 0% APR periods, will vary and be announced by Buddy's Home Furnishings. Eligibility requirements typically include being at least 18 years old, having a valid U.S. Social Security Number or ITIN, a valid government-issued photo ID, and meeting Synchrony's creditworthiness criteria. Application is generally available in-store or via the Buddy's Home Furnishings website, often with an instant credit decision.
Max Cards Per Issuer: 5
Min Spend Interval: N/A (Varies by promotional financing offer)
Cliff Effect Rules: Not applicable; Synchrony store cards are generally distinct and do not have 'family' rules that prevent approval based on holding other Synchrony store cards, though overall credit exposure is considered.
Special Events: Common promotional periods include major sales events such as Black Friday, Memorial Day, Labor Day, President's Day, and store anniversary sales. Specific dates and offers for 2026 will be announced by Buddy's Home Furnishings.
Holiday Promos: Typical holiday promotional periods include the Christmas/Holiday season (November-December), Valentine's Day, Mother's Day, and Father's Day. Specific offers for 2026 will be announced by Buddy's Home Furnishings.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Ease of approval for various credit profiles, useful for financing large purchases at Buddy's with special promotional offers, and convenient online account management.
Top Negative:
High standard APRs, limited utility outside of Buddy's Home Furnishings, potential for deferred interest pitfalls, and inconsistent customer service experiences.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Capital One Platinum Secured Card
- Discover it® Secured Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: October 2023