Carrier Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: carrier-credit-card

Issuer: Synchrony

Card Name: Carrier Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 17:29

Last Scraped: Feb 16, 2026 17:31

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 1
Easy Online Account Management

Manage your Carrier credit card account easily online, including viewing statements, making payments, and checking your balance.

Financing 4
Special Financing Options
Varies by promotion

Access to special financing options for Carrier product purchases, available with approved credit. Specific offers may vary and are subject to credit approval.

Convenient Monthly Payments

Benefit from convenient monthly payment options for your Carrier product purchases, helping to manage your budget.

Competitive Interest Rates
Varies

Access to competitive interest rates for financing Carrier products and services.

Revolving Line of Credit
Varies by credit limit

Establish a revolving line of credit for future purchases of Carrier products and services, providing ongoing purchasing power.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Carrier Credit Card, issued by Synchrony, is a store-specific financing tool primarily offering special promotional financing for purchases made at authorized Carrier dealers. Eligibility requirements for 2026 are expected to remain consistent with current Synchrony standards: applicants must be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria (generally requiring good to excellent credit for approval). Promotional financing offers (e.g., 0% APR for X months) are typically tied to specific purchase amounts and must be paid in full by the end of the promotional period to avoid retroactive interest. This card does not offer traditional sign-up bonuses like points or cash back.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional bonus spend; promotional financing terms apply to specific purchases made within the offer period, typically ranging from 6 to 60 months.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, sudden large purchases inconsistent with historical spending patterns, suspected fraudulent activity, missed payments, high utilization across all credit lines, or significant adverse changes in credit profile.

Cliff Effect Rules: Synchrony assesses overall credit exposure across all its issued cards. While there isn't a 'family' rule specific to Carrier cards, having multiple Synchrony accounts or a high total credit limit with Synchrony can negatively impact approval for new Synchrony cards or lead to credit limit reductions on existing accounts.

Special Events: Seasonal HVAC promotions (e.g., Spring AC tune-up deals, Fall furnace replacement offers), energy efficiency upgrade incentives, and specific dealer-led sales events.

Holiday Promos: Year-end tax credit promotions, specific financing deals around major U.S. holidays (e.g., Memorial Day, Labor Day, Black Friday) if offered by Carrier dealers.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval process for financing a major home improvement purchase; helpful promotional 0% APR offers; convenient way to manage HVAC expenses.

Top Negative:
High interest rates after promotional period; limited utility outside of Carrier purchases; customer service can be difficult to reach; strict payment terms.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Double Cash Card
  • Wells Fargo Reflect® Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0