City Furniture Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: city-furniture-credit-card

Issuer: Synchrony

Card Name: City Furniture Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:02

Last Scraped: Feb 15, 2026 15:20

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
Financing 3
Special Financing: 0% APR for 12 Months
0% APR for 12 months on purchases $1,999+

Receive 0% APR for 12 months on qualifying purchases of $1,999 or more made with the City Furniture Credit Card. Subject to credit approval. Minimum monthly payments required. See store for details.

Special Financing: 0% APR for 6 Months
0% APR for 6 months on purchases $999+

Receive 0% APR for 6 months on qualifying purchases of $999 or more made with the City Furniture Credit Card. Subject to credit approval. Minimum monthly payments required. See store for details.

Special Financing: 0% APR for 3 Months
0% APR for 3 months on purchases $499+

Receive 0% APR for 3 months on qualifying purchases of $499 or more made with the City Furniture Credit Card. Subject to credit approval. Minimum monthly payments required. See store for details.

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

⚠️ INTEREST AT THE STANDARD PURCHASE APR IS DEFERRED DURING THE PROMOTIONAL PERIOD. IF YOU DO NOT PAY THE FULL PROMOTIONAL PURCHASE AMOUNT BY THE PROMOTIONAL PERIOD EXPIRATION DATE, INTEREST WILL BE IMPOSED FROM THE DATE OF PURCHASE AT THE STANDARD PURCHASE APR. MINIMUM MONTHLY PAYMENTS ARE REQUIRED. Existing cardholders: See your credit card agreement for your applicable terms.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: The City Furniture Credit Card, issued by Synchrony, primarily offers promotional financing options (e.g., 0% APR for a specified period on qualifying purchases) rather than traditional sign-up bonuses. Eligibility requirements for application include being at least 18 years of age, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria, which typically requires fair to good credit.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional bonus; promotional financing terms apply to qualifying purchases made within specified promotional periods or above certain thresholds.

Shutdown Risk Triggers: Common triggers for account review or shutdown by Synchrony include: high cumulative credit limit across multiple Synchrony accounts, sudden large purchases inconsistent with historical spending patterns, excessive returns, suspected fraudulent activity, missed payments, high credit utilization, or opening and immediately closing multiple accounts.

Cliff Effect Rules: Synchrony does not have explicit 'card family' rules or 'cliff effects' similar to some major issuers. However, they manage overall credit exposure per customer. Reaching Synchrony's internal maximum credit exposure limit across all your Synchrony-issued cards (including store cards) can lead to denials for new applications, credit line reductions on existing accounts, or even account closure if risk factors are high.

Special Events: City Furniture Credit Card holders can expect special promotional financing offers during major retail sales events such as Memorial Day, Labor Day, Black Friday, Cyber Monday, and end-of-year clearance sales. These often include extended 0% APR periods or deferred interest options on specific furniture categories or minimum purchase amounts.

Holiday Promos: Key holiday promotional periods include: New Year's Sales (January), President's Day (February), Spring Sales (March-April), Memorial Day (May), Independence Day (July), Labor Day (September), Columbus Day/Indigenous Peoples' Day (October), Black Friday/Cyber Monday (November), and Christmas/Year-End Sales (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Ease of approval and promotional financing offers for large furniture purchases.

Top Negative:
High deferred interest rates, confusing terms, and poor customer service from Synchrony Bank.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Custom Cash Card
  • Discover it Cash Back

Card Value Score: 60.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0