DX Engineering Super Card
Basic Information
Program ID: dx-engineering-super-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:35
Last Scraped: 01/15/2026 13:37
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: As an AI, I cannot access real-time or future (January 2026) web content to extract current sign-up bonus details for the 'dx-engineering-super-card'. Typically, for Synchrony store cards, any statement credit welcome offers post within 1-2 billing cycles after meeting the specified spend requirement.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x DX Engineering Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after issuance or last account activity.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility requires applicants to be 18+ years old (19+ in AL/NE), a US resident, possess a valid SSN, and meet Synchrony's creditworthiness criteria (typically fair to good credit). Application is usually online with instant decision. Bonus rules primarily consist of special financing offers (e.g., 0% APR for 6, 12, or 18 months on qualifying purchases over a specified minimum amount) and occasional initial purchase discounts (e.g., 10-15% off first purchase). There are no traditional large sign-up bonuses in the form of points or miles.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A for traditional sign-up bonus; promotional financing terms apply to specific purchases.
Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, rapid application for multiple Synchrony cards, suspicious spending patterns (e.g., large purchases followed by immediate returns), defaulting on other Synchrony accounts, abuse of promotional financing terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy approval for store-specific financing, beneficial for large purchases at DX Engineering, and offers value for frequent shoppers of the store.
Top Negative Feedback:
High interest rates post-promotion, limited use outside of DX Engineering, and occasional issues with Synchrony customer service.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Amazon Store Card
- Capital One Platinum Secured Card
Card Value Score: 65.0 / 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: v2024-01