Floor & Decor Credit Card

Synchrony Pending

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0

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: floor-decor-credit-card

Issuer: Synchrony

Card Name: Floor & Decor Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 18:08

Last Scraped: Feb 05, 2026 13:13

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides benefits to active duty Servicemembers and their dependents under the Servicemembers Civil Relief Act (SCRA). For more information, visit mysynchrony.com/military.

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING

Reward Type: Store Credit

Base Rate: 0x

Bonus Rate: 0.05x

Categories: Floor & Decor purchases

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Rewards expire 24 months after issuance if not redeemed.

Point Value: 0.01¢

Travel Portal Multiplier: 0x

Transfer Partners: None

Redemption Penalties: Minimum redemption amount may apply (e.g., $10 or $25).

Benefits & Protections (Detailed)
No Card Benefits Available

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

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
PENDING

$0

Cash Back

Requirement: Spend $0 in 0 days

Timing: This card offers special financing promotions (deferred interest) rather than a traditional points, miles, or cashback sign-up bonus. Therefore, bonus approval timing for such a bonus is not applicable.

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: N/A
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: No Interest if Paid in Full

Promo Duration: 24 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.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
640 - 800
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident, possess a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria. The card typically offers promotional financing (e.g., 0% APR for a specified period on qualifying purchases over a certain amount) as its primary 'bonus' structure, rather than traditional sign-up bonuses. Specific promotional offers are subject to change and are usually tied to purchases made at Floor & Decor. Application requires personal identification, income details, and a credit check. Card usage is generally restricted to Floor & Decor stores and their online platform.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for a traditional sign-up bonus. Promotional financing offers typically apply to qualifying purchases made within specific promotional periods or from account opening, rather than requiring a cumulative spend over an interval.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive credit seeking (numerous recent applications), missed payments, suspicious or unusual spending patterns inconsistent with typical Floor & Decor purchases, and potential for account inactivity.

Cliff Effect Rules: Not applicable in the traditional sense of card family restrictions (e.g., Chase 5/24). Approval for additional Synchrony cards is primarily based on overall credit profile, existing Synchrony credit exposure, and recent application history rather than specific card family rules.

Special Events: Likely to include special financing offers during major sales events such as Memorial Day, Labor Day, Black Friday, Cyber Monday, and specific Floor & Decor seasonal promotions (e.g., Spring Renovation Sale, Fall Refresh Event).

Holiday Promos: Expected to feature enhanced promotional financing during key holiday shopping periods, including Thanksgiving week, Christmas/New Year's, and potentially other minor holidays like Presidents' Day or Independence Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Useful for large home improvement projects with deferred interest financing, easy application process.

Top Negative:
High standard APR after promotional period, frequent issues with Synchrony customer service, potential for deferred interest charges if balance not paid in full.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • The Home Depot Consumer Credit Card
  • Chase Freedom Flex

Card Value Score: 60.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0