Ethan Allen Platinum Card
Basic Information
Program ID: ethan-allen-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Platinum
Data Complete: Yes
Created: 01/15/2026 18:12
Last Scraped: 01/15/2026 18:14
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% |
Rewards Program
Reward Type: Promotional Financing / Store Discount
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus 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.
Point Value Estimate: 0.0000 cents/point
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.
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: Varies (Experian, TransUnion, Equifax)
Issuer Rules
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.
Maximum Cards Per Issuer: 5
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.0 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
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: v1.0