Crutchfield Credit Card

Synchrony Pending

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Benefits

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Basic Information
PENDING

Program ID: crutchfield-credit-card

Issuer: Synchrony

Card Name: Crutchfield Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:07

Last Scraped: Feb 16, 2026 18:09

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides protections to active duty Servicemembers and their dependents under the Military Lending Act (MLA) and Servicemembers Civil Relief Act (SCRA). For more information, please visit synchronybank.com/military.

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing - No Interest if Paid in Full
Promotional periods of 6, 12, or 18 months

Cardholders can receive promotional financing on qualifying purchases made with the Crutchfield Credit Card. If the full promotional balance is paid within the specified promotional period (6, 12, or 18 months, depending on the specific offer), no interest will be charged on that purchase. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged to the account from the purchase date.

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
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18, or 24 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Supported
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Projected for 2026: The Crutchfield credit card, issued by Synchrony Bank, primarily offers promotional financing on qualifying purchases made at Crutchfield.com or Crutchfield retail locations. Eligibility requirements 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 meeting Synchrony's credit underwriting standards. Approval is subject to credit history, debt-to-income ratio, and existing credit relationships. The main 'bonus' is typically deferred interest financing (e.g., 0% APR for 6, 12, 18, or 24 months) on purchases above a certain threshold. If the promotional balance is not paid in full by the end of the period, interest is charged from the original purchase date. Occasional sign-up bonuses may include a small first-purchase discount (e.g., 10% off up to $50) or a statement credit after a minimum spend within the first 30-90 days.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (less common for store cards but still a risk), high cumulative credit limit across Synchrony accounts, high credit utilization on Synchrony cards, multiple recent applications for Synchrony products, failure to make timely payments, account inactivity, or significant derogatory marks on credit report.

Cliff Effect Rules: The Crutchfield credit card is a standalone store-specific financing product. There are no known 'card family' rules or 'cliff effects' that impact eligibility for other Synchrony-issued cards or Crutchfield-specific promotions beyond standard creditworthiness considerations.

Special Events: Crutchfield Anniversary Sales (typically spring/early summer), major product launch events, seasonal sales (e.g., Spring Tech, Back-to-School), and exclusive cardholder pre-sales or early access to deals.

Holiday Promos: Black Friday / Cyber Monday (late November), Christmas / Holiday Shopping Season (November-December), New Year's Sales (January), President's Day Sales (February), Memorial Day Sales (May), Fourth of July Sales (July), Labor Day Sales (September).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Great for financing large electronics purchases with 0% APR promotions; Easy to apply and get approved, especially for building credit; No annual fee.

Top Negative:
Very high standard APR (29.99%) if promotional period is missed; Limited use, only at Crutchfield; Deferred interest can be tricky if not paid in full; Customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Best Buy Credit Card
  • Citi Custom Cash Card
  • Chase Freedom Unlimited

Card Value Score: 60.0 / 100

Est. Annual Rewards: $25.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2023-08