Ethan Allen Credit Card

Synchrony Pending

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Basic Information
PENDING

Program ID: ethan-allen-credit-card

Issuer: Synchrony

Card Name: Ethan Allen Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 18:12

Last Scraped: Feb 05, 2026 13:13

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING

Reward Type: Promotional Financing / Store Discount

Base Rate: 0x

Bonus Rate: 0x

Categories: N/A - The Ethan Allen Credit Card primarily offers special promotional financing on Ethan Allen purchases. It does not typically offer ongoing points or cash back rewards on spending. Occasional one-time discounts may be offered for new cardholders or specific promotions.

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: N/A - Rewards are primarily in the form of promotional financing offers, which have specific terms and expiration dates for the promotional period. Any one-time discounts or store credits issued may have their own specific expiration terms.

Point Value: 0¢

Travel Portal Multiplier: 0x

Transfer Partners: N/A

Redemption Penalties: N/A

Benefits & Protections (Detailed)
No Card Benefits Available

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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
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: None
Cash Advance: None
Foreign Transaction: 0.00%
Interest Rates & APR
No Interest Rate Data Available

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Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 740
Good
Hard Pull Only
Application Process
Not Available
Not Available
Varies (Experian, TransUnion, Equifax)
Issuer Rules & Policies
PENDING

Rules: The Ethan Allen Credit Card, issued by Synchrony Bank, primarily offers special promotional financing on qualifying Ethan Allen purchases rather than traditional sign-up bonuses. Eligibility requirements for 2026 include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating a satisfactory credit history and sufficient income as determined by Synchrony Bank's underwriting standards. Applications are subject to credit approval. Promotional financing offers typically require a minimum purchase and are subject to specific terms, including deferred interest if the promotional balance is not paid in full by the end of the promotional period.

Max Cards Per Issuer: 5

Min Spend Interval: N/A. Promotional financing terms apply to specific purchases, not a general spend interval for a bonus.

Shutdown Risk Triggers: Manufactured spending (less common for store cards but still a risk), high cumulative credit limit across Synchrony accounts, excessive applications for Synchrony products in a short period, missed payments, late payments, bankruptcy, significant derogatory marks on credit report, abuse of promotional financing terms, or suspected fraudulent activity.

Cliff Effect Rules: Not applicable. The Ethan Allen Credit Card is a standalone store-specific financing product and does not belong to a broader card family with tiered benefits or downgrade/upgrade paths that would trigger a 'cliff effect'.

Special Events: Exclusive cardholder-only sales events, early access to new collections, special financing offers tied to design consultations, and loyalty rewards programs (if applicable, though the Ethan Allen card is primarily financing-focused).

Holiday Promos: Major U.S. holidays such as Memorial Day, Labor Day, President's Day, Black Friday, Cyber Monday, and seasonal sales events (e.g., Spring Sale, Fall Sale, Year-End Clearance).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.0 / 5.0

Top Positive:
Offers special financing for large furniture purchases, allowing deferred interest for a set period. Can be easy to get approved for, especially for those with fair credit.

Top Negative:
High deferred interest rates if the balance is not paid in full by the promotional period end. Frequent complaints about Synchrony Bank's customer service and billing practices. Limited utility outside of Ethan Allen purchases.

Approval Experience: 60.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited (for general spending and intro 0% APR offers)
  • Citi Custom Cash Card (for 5% back on top spend category, potentially home improvement/furnishings)
  • Lowe's Advantage Card (another store card with similar deferred interest financing)

Card Value Score: 55.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0