5
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 5 Total
PENDINGFinancial 3
No Annual Fee
No annual feeThe card does not charge an annual fee for card membership, saving you money each year.
Convenient Monthly Payments
Manage your budget with convenient monthly payment options for your Ethan Allen purchases.
Online Account Management
Access your account 24/7 online to view statements, track purchases, make payments, and manage your financing details.
Shopping 2
Special Financing Offers
Varies by offerAccess to special promotional financing offers on qualifying Ethan Allen purchases, allowing for deferred interest or interest-free periods.
Exclusive Cardholder Offers
Varies by offerReceive exclusive discounts, special promotions, and early access to sales available only to Ethan Allen Platinum Cardholders.
Benefits Summary (Flags)
PENDINGExtended 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: | $30.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Ethan Allen Platinum Card, issued by Synchrony Bank, primarily offers special promotional financing on qualifying Ethan Allen purchases rather than traditional sign-up bonuses. Typical offers include 0% APR for a specified period (e.g., 6, 12, 24, 36, 48, or 60 months), with deferred interest if the promotional balance is not paid in full by the end of the promotional period. Eligibility requirements for application 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 meeting Synchrony Bank's credit underwriting criteria. Synchrony may deny applications based on factors such as excessive recent credit inquiries, high existing credit exposure with Synchrony, or a history of late payments or defaults.
Max Cards Per Issuer: 6
Min Spend Interval: Not applicable for promotional financing offers; terms are tied to specific purchase promotions.
Cliff Effect Rules: Not applicable. Synchrony store cards, including the Ethan Allen Platinum Card, are generally standalone products with no shared benefits, upgrade paths, or 'family' rules that impact eligibility or benefits across different Synchrony-issued cards.
Special Events: Ethan Allen frequently runs sales events tied to new collections, seasonal promotions (e.g., Spring Home Event, Fall Decorating Event), and specific product category promotions (e.g., upholstery sale, dining event). These events are often accompanied by enhanced promotional financing offers for cardholders.
Holiday Promos: Major U.S. holidays and shopping seasons, including Memorial Day, Labor Day, Black Friday/Cyber Monday, Christmas/New Year, and President's Day, are common periods for special financing promotions and sales at Ethan Allen.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Excellent deferred interest financing options for large purchases; helps manage significant home furnishing expenses over time; provides access to special promotions and discounts at Ethan Allen.
Top Negative:
High interest rates if promotional period is missed; customer service can be difficult to reach or unhelpful; limited utility outside of Ethan Allen purchases.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Pottery Barn Credit Card
- Wayfair Credit Card
- Wells Fargo Reflect Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $250.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: EA_PL_TC_1023