Floor & Decor Credit Card
Basic Information
Program ID: floor-decor-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 18:08
Last Scraped: 01/15/2026 18:10
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: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus 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.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.05%
Bonus Categories: Floor & Decor purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards expire 24 months after issuance if not redeemed.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 640 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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.
Maximum Cards Per Issuer: 7
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.5 / 5.0
Top Positive Feedback:
Useful for large home improvement projects with deferred interest financing, easy application process.
Top Negative Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0