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
PENDINGLifestyle 1
Online Account Management
N/AAbility to conveniently manage the Conn's HomePlus Credit Card account online, including viewing statements, making payments, and updating personal information.
Shopping 1
Special Financing Offers
Varies by promotionAccess to special promotional financing offers on eligible purchases made at Conn's, which may include deferred interest, low APR, or equal payment plans, allowing customers to pay for items over time.
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 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: No Interest if Paid in Full
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Conn's HomePlus Credit Card, issued by Synchrony Bank, primarily offers promotional financing on purchases made at Conn's HomePlus stores. There is no traditional sign-up bonus based on spending. Eligibility typically requires applicants to be a US resident, 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), have verifiable income, and a satisfactory credit history (often more lenient than general-purpose credit cards, but still requires a decent credit profile). Application is usually processed online or in-store with an instant decision often available.
Max Cards Per Issuer: 5
Min Spend Interval: Not applicable; the primary benefit is promotional financing on specific purchases, not a spend-based bonus.
Cliff Effect Rules: Synchrony Bank is known to be sensitive to a customer's total credit exposure across all its issued cards. Accumulating a high number of Synchrony-issued credit cards or a very high cumulative credit limit across these accounts can lead to difficulty in obtaining new Synchrony cards, credit limit reductions on existing accounts, or even account closures if the issuer deems the customer overextended.
Special Events: Frequent promotional financing offers tied to specific product categories (e.g., appliances, electronics, furniture), store-wide sales events, and new product launches. These often include deferred interest promotions for qualifying purchases.
Holiday Promos: Common promotional financing periods around major US holidays such as Black Friday, Cyber Monday, Memorial Day, Labor Day, 4th of July, and year-end sales events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.3 / 5.0
Top Positive:
Offers promotional financing for large purchases; relatively easy approval for those with fair credit; useful for building credit.
Top Negative:
Very high interest rates after promotional period; poor customer service; difficult to get credit limit increases; aggressive collection practices.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Capital One Platinum Secured
- Discover it Secured
- Best Buy Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0