Dyson Credit Card
Basic Information
Program ID: dyson-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:50
Last Scraped: 01/15/2026 09:15
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: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
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: $29.90
Spending Requirement: $299.00
Time Period: 0 days
Bonus Timing: Statement credit will be applied to your account within 1-2 billing cycles after qualifying purchase posts.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Dyson Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
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: The Dyson Credit Card primarily offers special financing promotions (e.g., 0% APR for X months) on qualifying Dyson purchases made at Dyson.com or authorized Dyson retail locations. New cardholders may also receive an introductory discount on their first Dyson purchase. Eligibility requirements for 2026 include being at least 18 years old, a U.S. resident, possessing a valid Social Security Number or ITIN, and passing a credit check. Synchrony generally looks for good to excellent credit, though approvals with lower scores may occur with reduced credit limits. All offers and financing terms are subject to store-specific restrictions and Synchrony's credit policies.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: Traditional minimum spend intervals for sign-up bonuses are not typical for this store card's core benefits (special financing). If a promotional spend-based bonus were offered, it would typically be 3 months.
Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, high utilization on Synchrony cards, missed or late payments, suspected fraudulent activity, rapid application for multiple Synchrony cards within a short period, or default on any Synchrony account.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Excellent rewards for frequent Dyson purchasers, valuable special financing offers, no annual fee.
Top Negative Feedback:
Rewards are limited to Dyson purchases, high APR if balances are carried, customer service can be inconsistent.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature Card
- Target RedCard
- Chase Freedom Unlimited
Card Value Score: 85.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 90% Store / 10% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0