2
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 2 Total
PENDINGAccount Management 1
Online Account Management
Cardholders can conveniently manage their Closet Factory credit card account online through the Synchrony Bank portal, including viewing statements, making payments, and accessing account details.
Financing 1
Special Financing Offers
Varies by promotionAccess to special financing promotions for eligible purchases made at Closet Factory, subject to credit approval. Specific promotional terms and availability may vary.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Special Financing
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility Requirements (2026): Applicants must be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and be subject to credit approval (fair to good credit typically required). Application can be completed online or in-store, often with an instant decision. Bonus Rule (2026 Update): New cardholders receive 12 months of special financing on all Closet Factory purchases of $1,500 or more made within the first 90 days of account opening. Standard APR applies if the promotional balance is not paid in full by the end of the promotional period. Additionally, cardholders earn 5% back in Closet Factory rewards on all eligible purchases.
Max Cards Per Issuer: 5
Min Spend Interval: 90 days (for special financing bonus eligibility)
Cliff Effect Rules: Synchrony does not have specific 'card family' cliff effects like some major issuers. However, approval for new Synchrony credit products, including additional store cards, is heavily influenced by the applicant's existing total credit exposure with Synchrony and their payment history across all Synchrony accounts. High existing credit limits or numerous open accounts with Synchrony may impact eligibility for new credit.
Special Events: Exclusive cardholder discounts during seasonal sales (e.g., Spring Renovation Sale, Fall Organization Event), special financing offers during promotional periods, early access to new product lines, and personalized offers based on purchase history.
Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, New Year's Sales, Memorial Day, Labor Day, 4th of July, and other major retail holidays.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Excellent promotional financing options for large purchases; relatively easy approval process for store-specific spending.
Top Negative:
High regular APR after promotional period; limited use outside of Closet Factory; potential for deferred interest if balance isn't paid in full.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Home Depot Consumer Credit Card
- Chase Freedom Unlimited
Card Value Score: 60.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0