Ethan Allen Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: ethan-allen-store-card

Issuer: Synchrony

Card Name: Ethan Allen Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:42

Last Scraped: Feb 16, 2026 18:44

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

Reward Type: Special Financing

Categories: Ethan Allen purchases

Quarterly Rotating: No

Travel Portal Multiplier: 1x

Redemption Penalties: Deferred interest will be charged from the purchase date if the promotional purchase is not paid in full by the end of the promotional period.

Benefits & Protections (Detailed) 3 Total
PENDING
Account Management 1
Online Account Management

Cardholders can manage their Ethan Allen Credit Card account online, which includes making payments and viewing statements.

Shopping 2
Special Financing Offers
Varies by offer

Cardholders can access special financing offers for purchases made at Ethan Allen. Specific terms and availability are subject to credit approval and may vary; see store for details.

Convenient Monthly Payments

The Ethan Allen Credit Card allows cardholders to make convenient monthly payments on their Ethan Allen purchases.

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
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%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 36 months

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments are required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: For 2026, the Ethan Allen Store Card, issued by Synchrony, primarily offers promotional financing on qualifying purchases made at Ethan Allen. There are no traditional sign-up bonuses with specific spend requirements. **Application Eligibility Requirements:** Applicants must be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria, which includes a review of credit history and income. Approval is subject to Synchrony's credit policies.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for a traditional sign-up bonus. Promotional financing offers typically range from 6 to 48 months, depending on the specific offer and purchase amount.

Shutdown Risk Triggers: High credit utilization across multiple Synchrony accounts, sudden and significant changes in spending patterns inconsistent with typical store card usage, multiple recent applications for Synchrony cards, high cumulative credit limits with Synchrony relative to reported income, missed or late payments, or general adverse changes in credit profile. Manufactured spending is generally not a concern for this type of store-specific card.

Cliff Effect Rules: Not applicable. The Ethan Allen Store Card does not typically have 'card family' rules or 'cliff effects' related to other Synchrony products. Each store card is generally evaluated and managed independently.

Special Events: Major furniture sales events such as President's Day Sale, Memorial Day Sale, Labor Day Sale, Black Friday/Cyber Monday, and End-of-Year Clearance. These events frequently feature enhanced promotional financing offers.

Holiday Promos: Black Friday/Cyber Monday (late November), Christmas/New Year (December), President's Day (February), Memorial Day (May), Labor Day (September).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.7 / 5.0

Top Positive:
Access to special financing offers and discounts for Ethan Allen purchases; useful for large furniture purchases; helps build credit.

Top Negative:
High regular APR after promotional period; limited use outside Ethan Allen stores; customer service issues reported; deferred interest can be costly if not paid in full.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne
  • Discover it Secured
  • Petal 2 Visa Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $25.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 03/2024