0
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x Crestline Purchases, 2x Gas & Groceries
Quarterly Rotating: No
Cap Amount: $10,000.00
Expiration Policy: Points do not expire as long as account is active and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: None
Redemption Penalties: None
Benefits & Protections (Detailed)
No Card Benefits Available
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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
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING$150
Cash BackRequirement: Spend $1,000 in 180 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| 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 & APR
PENDINGStandard APR
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: 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.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' rules like some major issuers. However, applying for multiple Synchrony store cards within a short timeframe (e.g., 3-6 months) may lead to denials due to perceived credit seeking or high credit exposure. Approval for one Synchrony card does not guarantee approval for others, and credit limits may be adjusted based on overall Synchrony portfolio exposure.
Special Events: Cardholders frequently receive exclusive discounts, early access to sales events, birthday rewards, and special financing offers throughout the year, particularly tied to seasonal promotions or loyalty program tiers specific to Crestline. These events are often communicated via email or in-store signage.
Holiday Promos: Key promotional periods include Black Friday/Cyber Monday (November-December), Memorial Day (May), Fourth of July (July), Labor Day (September), and various seasonal sales (e.g., Spring, Back-to-School). During these times, cardholders can expect enhanced discounts, bonus rewards, or special financing options.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy approval for store purchases, special financing options available, convenient for loyal customers.
Top Negative:
High interest rates, limited use outside the store, customer service issues sometimes reported with Synchrony.
Approval Experience: 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
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: January 2024