Carpet One Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: carpet-one-credit-card

Issuer: Synchrony

Card Name: Carpet One Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 17:27

Last Scraped: Feb 16, 2026 17:29

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) 3 Total
PENDING
Financial Management 1
Convenient Monthly Payments

The ability to make manageable monthly payments on purchases made with the Carpet One credit card, helping cardholders budget for their flooring and home improvement needs.

Security 1
Online Account Management

Secure online access to manage the Carpet One credit card account, including viewing statements, making payments, and updating personal information through Synchrony Bank's online portal.

Shopping 1
Special Financing Offers
Varies by promotion

Access to special promotional financing offers on qualifying purchases made at Carpet One stores. These offers allow cardholders to pay for their purchases over time, often with deferred interest if paid in full within the promotional period. Specific terms and conditions apply and are subject to credit approval.

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%

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
620 - 720
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Carpet One credit card, issued by Synchrony, is a closed-loop store card designed exclusively for purchases at Carpet One locations (in-store and online). Its primary 'bonus' is typically promotional financing offers, such as 0% APR for a specified period (e.g., 6, 12, 18, 24, 36, or 60 months) on qualifying purchases, often with minimum purchase requirements. These promotions are usually deferred interest, meaning if the balance isn't paid in full by the end of the promotional period, interest is charged from the original purchase date. Eligibility requirements for 2026 are expected to remain consistent with Synchrony's standard underwriting: applicants must 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 meet Synchrony's creditworthiness criteria, which includes a review of credit history, income, and existing credit obligations. Approval is subject to credit approval.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional sign-up bonuses. Promotional financing offers are tied to specific purchases made during defined promotional periods, with terms varying by offer (e.g., '0% APR for 12 months on purchases over $999').

Shutdown Risk Triggers: For Synchrony store cards, common shutdown triggers include: high cumulative credit exposure across multiple Synchrony accounts relative to income, missed or late payments on any Synchrony account, excessive credit utilization across Synchrony cards, suspected fraudulent activity, or significant changes in credit profile (e.g., bankruptcy, multiple new accounts opened rapidly). While manufactured spending is less relevant for a closed-loop store card, any attempt to misuse promotional financing or engage in unusual spending patterns could be flagged.

Cliff Effect Rules: Synchrony does not have explicit 'cliff effect' rules like some major issuers (e.g., 5/24). However, Synchrony is sensitive to overall credit exposure. Approvals for new Synchrony cards, including the Carpet One card, can be impacted by the number of existing Synchrony accounts and the total credit limit extended across those accounts. Reaching a perceived 'maximum' credit exposure with Synchrony can lead to denials for new applications or credit limit reductions on existing accounts, even if individual credit scores are good.

Special Events: Carpet One, in conjunction with Synchrony, frequently offers enhanced promotional financing during specific sales events. These often include 'National Sales Events,' 'Anniversary Sales,' 'Spring/Fall Flooring Events,' and 'New Product Launch Promotions.' During these periods, customers might find longer 0% APR terms or lower minimum purchase requirements for promotional financing.

Holiday Promos: Expect special promotional financing offers to coincide with major U.S. retail holidays and shopping seasons, including: Black Friday/Cyber Monday (late November), Christmas/Holiday Season (December), New Year's Sales (January), Presidents' Day (February), Memorial Day (May), Independence Day (July), and Labor Day (September). These periods are prime times for larger home improvement purchases, making promotional financing particularly attractive.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy financing for large purchases; Convenient payment options; Helped me get the flooring I needed.

Top Negative:
High interest rates after promotional period; Customer service issues reported; Approval can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Home Depot Consumer Credit Card
  • Citi Custom Cash Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: January 2024