Cardi's Furniture & Mattresses Credit Card

Synchrony Pending

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7

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: cardis-furniture-mattresses-credit-card

Issuer: Synchrony

Card Name: Cardi's Furniture & Mattresses Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 17:21

Last Scraped: Feb 16, 2026 17:24

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers SCRA benefits for eligible active duty Servicemembers, including a 6% APR cap on accounts opened before active duty service. Contact Synchrony for details.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 7 Total
PENDING
Financing 7
6-Month Special Financing
6 months no interest

No interest will be charged on qualifying purchases if the promotional balance is paid in full within 6 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.

12-Month Special Financing
12 months no interest

No interest will be charged on qualifying purchases if the promotional balance is paid in full within 12 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.

18-Month Special Financing
18 months no interest

No interest will be charged on qualifying purchases if the promotional balance is paid in full within 18 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.

24-Month Special Financing
24 months no interest

No interest will be charged on qualifying purchases if the promotional balance is paid in full within 24 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.

36-Month Special Financing
36 months no interest

No interest will be charged on qualifying purchases if the promotional balance is paid in full within 36 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.

48-Month Special Financing
48 months no interest

No interest will be charged on qualifying purchases if the promotional balance is paid in full within 48 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.

60-Month Special Financing
60 months no interest

No interest will be charged on qualifying purchases if the promotional balance is paid in full within 60 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.

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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 60 months

⚠️ On qualifying purchases made with your Cardis Furniture & Mattresses Credit Card account at participating locations. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18, 24, 36, 48, or 60 months. Minimum monthly payments are required. See store for details. Existing cardholders should see their credit card agreement for their applicable terms.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Cardis Furniture & Mattresses Credit Card (Synchrony) in 2026 requires applicants to be at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a verifiable income. Approval is subject to creditworthiness, including credit history, score, and debt-to-income ratio. Synchrony may also consider existing relationships and recent credit inquiries. The primary 'bonus' for this card is typically promotional financing offers (e.g., 0% APR for a specified period on qualifying purchases), rather than traditional points or cash back sign-up bonuses. These promotional offers are usually applied at the point of sale for eligible purchases.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for promotional financing offers; immediate for any small sign-up incentives (e.g., first purchase discount).

Shutdown Risk Triggers: High credit utilization across multiple Synchrony accounts, missed or late payments, defaulting on any Synchrony account, suspected fraudulent activity, rapid accumulation of new Synchrony accounts, or significant changes in credit profile indicating increased risk.

Cliff Effect Rules: Synchrony store cards generally do not have 'cliff effect' rules or card family restrictions similar to general-purpose credit cards. Each store card is typically evaluated and managed independently, without impacting eligibility or benefits for other Synchrony store cards.

Special Events: Cardis Furniture & Mattresses cardholders can expect exclusive promotional financing offers (e.g., 0% APR for 12, 24, 36, 48, or 60 months on qualifying purchases), special cardholder-only discounts, early access to sales events, and bonus financing periods tied to specific product categories (e.g., mattresses, living room sets).

Holiday Promos: Key promotional periods for Cardis Furniture & Mattresses are expected to align with major retail holidays and sales events, including but not limited to: New Year's Sales (January), President's Day (February), Memorial Day (May), 4th of July (July), Labor Day (September), Black Friday/Cyber Monday (November), and End-of-Year/Holiday Sales (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.7 / 5.0

Top Positive:
Easy approval process, useful for financing large furniture/home purchases with deferred interest, convenient for specific home retailers.

Top Negative:
High APR after promotional period, poor customer service, tricky deferred interest terms, limited acceptance outside of Synchrony Home network.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Home Depot Consumer Credit Card
  • Wayfair Credit Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0