Electronics Express Credit Card

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: electronics-express-credit-card

Issuer: Synchrony

Card Name: Electronics Express Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:33

Last Scraped: Feb 16, 2026 18:35

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers a 6% APR on account balances incurred prior to active duty military service for eligible Servicemembers under the SCRA. The Military Annual Percentage Rate (MAPR) will not exceed 36% for covered borrowers under the Military Lending Act.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 2 Total
PENDING
Shopping 2
6-Month Special Financing
6 months no interest

No interest if paid in full within 6 months on qualifying purchases. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months.

12-Month Special Financing
12 months no interest

No interest if paid in full within 12 months on qualifying purchases. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months.

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

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility requirements for the Electronics Express Credit Card (Synchrony) for 2026 include being at least 18 years of age, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria. Application can be completed online or in-store, often with an instant decision. The primary 'bonus rule' for this store card is typically special financing offers, such as 0% APR for a specified period (e.g., 6, 12, 18, or 24 months) on qualifying purchases above a certain threshold, rather than a traditional sign-up bonus requiring a minimum spend.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional bonus spend; special financing offers apply to specific purchases at the time of transaction.

Shutdown Risk Triggers: Excessive credit seeking (opening too many Synchrony accounts in a short period), high credit utilization across all Synchrony accounts, default on any Synchrony account, significant decline in credit score, suspected fraudulent activity, or bankruptcy.

Cliff Effect Rules: Not applicable; Synchrony store cards generally operate independently without 'card family' restrictions or 'cliff effects' tied to other Synchrony products.

Special Events: Cardholders can expect enhanced special financing offers or exclusive discounts during major retail events such as Back-to-School sales, Black Friday/Cyber Monday, seasonal clearance events, store anniversary sales, and specific brand launch promotions.

Holiday Promos: Key promotional periods include New Year's, Valentine's Day, Memorial Day, Father's Day, 4th of July, Labor Day, Halloween, Thanksgiving, Black Friday, Cyber Monday, Christmas, and Post-Holiday Sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Provides special financing for large electronics purchases; no annual fee; easy application process for store credit.

Top Negative:
High interest rates if promotional terms are not met; limited use outside of Electronics Express; customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Discover it Secured Credit Card
  • Capital One Platinum Secured Credit Card
  • Amazon Store Card (Synchrony)

Card Value Score: 50.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2024-01-01