Crestline Credit Card
Basic Information
Program ID: crestline-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier:
Data Complete: Yes
Created: 01/15/2026 14:13
Last Scraped: 01/15/2026 14:15
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: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Sign-Up Bonus
Bonus Amount: $150.00
Spending Requirement: $1,000.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Crestline Purchases, 2x Gas & Groceries
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 780
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion
Issuer Rules
Rules: New cardholders for the Crestline Credit Card typically receive an initial discount (e.g., 10-20% off first purchase) or a promotional financing offer (e.g., 0% APR for 6-12 months on qualifying purchases) upon account opening and first use. Specific bonus offers are subject to change annually. Eligibility requirements for application include being 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 having a verifiable income source. Approval is subject to creditworthiness, with Synchrony generally looking for fair to good credit scores (typically 640+ FICO). Store-specific restrictions apply, meaning the card's primary utility and benefits are limited to purchases made at Crestline stores or their online platform. Synchrony reserves the right to deny applications based on credit history, existing credit relationships, or other internal criteria.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts; excessive credit-seeking behavior (multiple applications in a short period); missed or late payments on any Synchrony account or other credit lines; high utilization rates across Synchrony accounts; suspected fraudulent activity or unusual spending patterns inconsistent with typical store purchases; bankruptcy filings or significant derogatory marks on credit report.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Easy approval for store purchases, special financing options available, convenient for loyal customers.
Top Negative Feedback:
High interest rates, limited use outside the store, customer service issues sometimes reported with Synchrony.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Amazon Store Card
- Capital One Platinum Secured Card
Card Value Score: 40.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 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: January 2024