City Furniture Credit Card
Basic Information
Program ID: city-furniture-credit-card
Issuer: Synchrony
Card Type: Credit
Network: N/A
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:02
Last Scraped: 01/15/2026 12:04
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $2,000.00
Time Period: 30 days
Bonus Timing: Typically applied at the point of sale for the first qualifying purchase.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 0.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on City Furniture purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards typically expire 12 months after issuance or if the account is inactive for 24 months. Specific terms may vary.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Application Eligibility: Applicants must be at least 18 years old (19 in AL and NE), a U.S. resident with a valid SSN or ITIN, and have a verifiable income. Approval is subject to creditworthiness, with Synchrony often approving a range of credit profiles, including fair to good credit, for store-specific cards. Bonus/Promotional Rules: The primary 'bonus' for the City Furniture credit card typically involves special financing offers (e.g., 0% APR for X months on qualifying purchases) or exclusive cardholder discounts on City Furniture purchases. These offers are usually tied to minimum purchase amounts and specific promotional periods. There are generally no traditional sign-up bonuses (e.g., cash back or points after spending X amount) for this type of store card.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Not applicable for traditional sign-up bonuses. Promotional financing offers apply to purchases made within specific promotional windows, and initial discounts are typically applied at the point of sale for the first transaction.
Shutdown Risk Triggers: High credit utilization across Synchrony accounts, missed or late payments, suspected fraudulent activity, rapid accumulation of multiple Synchrony credit lines in a short period, significant adverse changes in credit profile (e.g., bankruptcy, charge-offs with other lenders), manufactured spending (though less common for store cards, any abuse of promotional offers).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Easy approval process, useful for financing large furniture purchases with promotional 0% APR offers, good for building credit for some users.
Top Negative Feedback:
High deferred interest if balance isn't paid in full by promotion end, high regular APR, customer service can be difficult, limited use outside of City Furniture.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured Credit Card
- Discover it Secured Credit Card
- Petal 2 Visa Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $30.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 10/26/2023 00:00