Country Door Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: country-door-credit-card

Issuer: Synchrony

Card Name: Country Door Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 17:58

Last Scraped: Feb 16, 2026 18:00

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) 5 Total
PENDING
Account Management 1
Online Account Management
Convenient online access

Manage your Country Door Credit Card account easily online, including viewing statements and making payments.

Financial 2
No Annual Fee
No annual fee

The Country Door Credit Card does not charge an annual fee.

Convenient Monthly Payments
Flexible payment options

The credit card offers convenient options for making monthly payments.

Shopping 2
Exclusive Savings Offers
Varies by offer

Cardholders receive exclusive savings offers throughout the year.

Special Financing Offers
Varies by offer

Cardholders may be eligible for special financing offers on qualifying purchases.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Country Door Credit Card requires applicants to be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria, which typically ranges from fair to good credit. The application process is primarily online and subject to instant credit approval. New cardholders can generally expect a first-purchase discount (e.g., 15-20% off their initial order) and ongoing access to special promotional financing offers, such as 0% APR for a specified period (e.g., 6-12 months) on qualifying purchases. Specific terms and minimum purchase requirements apply to all promotional offers.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for traditional bonus spend; promotional financing terms apply to specific purchase periods.

Shutdown Risk Triggers: High credit utilization across Synchrony accounts, missed payments on any Synchrony-issued card, high cumulative credit limit across all Synchrony cards relative to income, sudden and uncharacteristic spending patterns, suspected fraudulent activity, or excessive credit seeking behavior (numerous applications in a short timeframe).

Cliff Effect Rules: Synchrony does not typically have 'card family' specific cliff effects like some prime issuers. However, they manage overall credit exposure across all accounts. Obtaining multiple Synchrony cards may lead to lower credit limits on subsequent approvals or outright denials if the cumulative credit extended is deemed too high relative to the cardholder's credit profile and income. Each application is assessed individually within the context of the existing Synchrony portfolio.

Special Events: Exclusive cardholder-only sales events, early access to new product launches, birthday discounts, and tiered loyalty rewards based on annual spend thresholds.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season (November-December), Mother's Day, Father's Day, Memorial Day, Labor Day, and various seasonal clearance events throughout the year.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for those with fair credit, offers special financing promotions, exclusive discounts for Country Door purchases.

Top Negative:
High interest rates if promotional financing isn't paid off, limited utility outside Country Door, customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Discover it Secured Credit Card
  • Wayfair Credit Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $40.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0