Design Within Reach Credit Card

Synchrony Pending

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3

Benefits

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Basic Information
PENDING

Program ID: design-within-reach-credit-card

Issuer: Synchrony

Card Name: Design Within Reach Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:16

Last Scraped: Feb 16, 2026 18:18

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers SCRA benefits including an interest rate reduction to 6% APR on eligible accounts opened before active duty for active duty Servicemembers, their spouses, and dependents.

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 3 Total
PENDING
Shopping 3
Special Financing: 12 Months No Interest
0% APR for 12 months on purchases of $1,000+

Receive 0% APR for 12 months on qualifying purchases of $1,000 or more made with your Design Within Reach Credit Card. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months. Minimum monthly payments are required.

Special Financing: 24 Months No Interest
0% APR for 24 months on purchases of $2,500+

Receive 0% APR for 24 months on qualifying purchases of $2,500 or more made with your Design Within Reach Credit Card. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 24 months. Minimum monthly payments are required.

Special Financing: 36 Months No Interest
0% APR for 36 months on purchases of $5,000+

Receive 0% APR for 36 months on qualifying purchases of $5,000 or more made with your Design Within Reach Credit Card. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 36 months. Minimum monthly payments are required.

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
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: Special Financing

Approval Criteria & Requirements
PENDING
Credit Score Requirements
640 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility requires applicants to be a U.S. resident, 18 years or older, possess a valid SSN/ITIN, and demonstrate a good to excellent credit history. The card typically offers deferred financing options (e.g., 0% APR for 12-24 months on qualifying purchases) rather than a traditional sign-up bonus. Application is subject to Synchrony's credit underwriting standards.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional bonus spend; promotional financing terms apply to qualifying purchases.

Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, excessive credit seeking, missed payments, late payments, suspicious account activity, and abuse of promotional financing terms.

Cliff Effect Rules: Synchrony does not typically have 'card family' rules that restrict eligibility for other store cards based on owning one. However, an individual's total credit exposure and credit limit across all Synchrony accounts can impact future approval decisions and credit limit increases.

Special Events: Exclusive cardholder-only sales events, early access to new product launches, special financing offers on specific product categories (e.g., upholstery, outdoor furniture), and potential bonus rewards on select purchases.

Holiday Promos: Special financing offers and discounts during major retail holidays such as Presidents' Day, Memorial Day, Fourth of July, Labor Day, Black Friday, Cyber Monday, and year-end sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Offers flexible financing for large furniture purchases; useful for spreading out payments without immediate interest if paid on time.

Top Negative:
High standard APR (29.99%) makes deferred interest risky; limited utility outside of DWR; potential for high interest charges if promotional terms are not met.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Wayfair Credit Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 50.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 01/2024