Conn's HomePlus Credit Card
Basic Information
Program ID: conns-homeplus-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:40
Last Scraped: 01/15/2026 09:03
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
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: 3,199.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No traditional sign-up bonus (points, miles, or cash) is advertised for this card. The primary benefit is access to special financing offers and building credit.
Rewards Program
Reward Type: Financing Benefits
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special Financing Offers on Conn's HomePlus Purchases
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - The Conn's HomePlus credit card primarily offers special financing promotions rather than a traditional points or cashback rewards program. Any specific promotional credits or offers would have their own defined terms and expiration dates.
Transfer Partners: N/A - This card does not offer a points program with transfer partners.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion, Experian
Issuer Rules
Rules: As of 2026, the Conn's HomePlus credit card, issued by Synchrony, primarily offers promotional financing on qualifying purchases made at Conn's stores or online. There are typically no traditional sign-up bonuses (e.g., cash back or points for initial spend). **Application Eligibility (2026 Projection):** 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 possess a verifiable income. Approval is subject to creditworthiness, including a review of credit history, credit score, and debt-to-income ratio. Existing Synchrony cardholders may face additional scrutiny regarding their overall credit exposure with Synchrony. **Bonus/Promotional Rules (2026 Projection):** The card's primary 'bonus' is promotional financing, commonly offering 0% APR for a specified period (e.g., 6, 12, 24, 36 months) on purchases meeting a minimum spend threshold. These promotions usually require minimum monthly payments, and interest is typically deferred and charged retroactively from the purchase date if the promotional balance is not paid in full by the end of the promotional period.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: N/A for traditional bonus spend; promotional financing terms apply, typically ranging from 6 to 36 months for 0% APR offers.
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive recent credit applications (application velocity), missed or late payments, suspected abuse of promotional financing terms (e.g., making large purchases with no intent to pay off before deferred interest kicks in), or any fraudulent activity. While less common for a store card, manufactured spending or unusual transaction patterns could also trigger review.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy financing for large purchases, helpful for building credit, special promotional offers.
Top Negative Feedback:
High interest rates after promotional period, difficult customer service, unexpected fees, hard to manage payments.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Credit Card
- Discover it Secured Credit Card
- Amazon Store Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $25.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0