Ethan Allen Platinum Credit Card

Synchrony Platinum Pending

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10

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: ethan-allen-platinum-credit-card

Issuer: Synchrony

Card Name: Ethan Allen Platinum Credit Card

Card Type: Credit

Network:

Card Tier: Platinum

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:39

Last Scraped: Feb 16, 2026 18:42

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING
Benefits & Protections (Detailed) 10 Total
PENDING
Account Management 2
Convenient Monthly Payments

Cardholders benefit from convenient monthly payment options for their purchases.

Online Account Management

Easy-to-use online platform for managing your Ethan Allen Platinum Credit Card account.

Cost Savings 1
No Annual Fee
No annual fee

The Ethan Allen Platinum Credit Card does not charge an annual fee.

Financing 6
12-Month Special Financing
12 months, $2,500 minimum purchase

No interest if paid in full within 12 months on purchases of $2,500 or more. Minimum monthly payments required. Subject to credit approval.

24-Month Special Financing
24 months, $5,000 minimum purchase

No interest if paid in full within 24 months on purchases of $5,000 or more. Minimum monthly payments required. Subject to credit approval.

36-Month Special Financing
36 months, $7,500 minimum purchase

No interest if paid in full within 36 months on purchases of $7,500 or more. Minimum monthly payments required. Subject to credit approval.

48-Month Special Financing
48 months, $10,000 minimum purchase

No interest if paid in full within 48 months on purchases of $10,000 or more. Minimum monthly payments required. Subject to credit approval.

60-Month Special Financing
60 months, $15,000 minimum purchase

No interest if paid in full within 60 months on purchases of $15,000 or more. Minimum monthly payments required. Subject to credit approval.

Revolving Line of Credit

Provides a revolving line of credit for future purchases at Ethan Allen.

Shopping 1
Exclusive Cardholder Offers
Varies by offer

Access to exclusive offers available only to Ethan Allen Platinum Credit Cardholders.

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
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Ethan Allen Platinum Credit Card in 2026 requires applicants to be 18+ years old, a US resident with a valid SSN/ITIN, and possess a good to excellent credit history. Approval is subject to Synchrony's credit underwriting standards. The primary bonus rule is access to special financing offers, typically deferred interest for periods like 6, 12, 24, or 36+ months on qualifying Ethan Allen purchases. Specific terms depend on the purchase amount and current promotional periods. It's crucial to pay the full promotional balance by the end of the period to avoid retroactive interest from the purchase date. Application involves a standard credit check.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for a traditional bonus; special financing terms apply immediately upon qualifying purchases.

Shutdown Risk Triggers: Missed payments, high credit utilization across all Synchrony accounts, suspected fraudulent activity, excessive credit limit increase requests without corresponding spend, or a significant deterioration in overall credit profile.

Cliff Effect Rules: Synchrony does not typically have 'card family' specific cliff effects. However, accumulating a high number of Synchrony store cards (e.g., 5+) or a very high cumulative credit limit across all Synchrony accounts can make approval for new Synchrony cards more difficult due to overall issuer exposure limits.

Special Events: Ethan Allen frequently offers special financing promotions during major sales events, new collection launches, design consultations, and in-store promotional days. These often coincide with increased deferred interest periods or exclusive discounts for cardholders.

Holiday Promos: Key promotional periods include Memorial Day, 4th of July, Labor Day, Black Friday/Cyber Monday, and the entire Christmas/New Year holiday shopping season. Special financing offers are typically enhanced during these times.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Convenient financing for large purchases; no annual fee; exclusive cardholder offers.

Top Negative:
High APR after promotional period; limited use outside Ethan Allen; potential for customer service issues with Synchrony.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Citi Custom Cash Card
  • Chase Freedom Unlimited
  • Capital One Quicksilver Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0