Floor & Decor Credit Card

Synchrony Pending

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9

Benefits

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Basic Information
PENDING

Program ID: floor-decor-credit-card-synchrony

Issuer: Synchrony

Card Name: Floor & Decor Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:53

Last Scraped: Feb 16, 2026 18:56

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank reduces the interest rate on eligible Servicemembers' credit card accounts to 0% APR on balances incurred prior to active duty start date, for the duration of active duty, in compliance with SCRA.

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 9 Total
PENDING
Account Management 2
Online Account Management

Cardholders can easily manage their Floor & Decor Credit Card account online, including viewing statements and making payments.

Convenient Monthly Payments

The Floor & Decor Credit Card offers convenient options for making monthly payments.

Financial 1
No Annual Fee
No annual fee

The Floor & Decor Credit Card does not charge an annual fee.

Shopping 6
Special Financing Offer: 12 Months 0% APR
0% APR for 12 months on purchases of $299+

Receive 0% APR for 12 months on qualifying purchases of $299 or more made with your Floor & Decor Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.

Special Financing Offer: 24 Months 0% APR
0% APR for 24 months on purchases of $2,500+

Receive 0% APR for 24 months on qualifying purchases of $2,500 or more made with your Floor & Decor Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.

Special Financing Offer: 36 Months 0% APR
0% APR for 36 months on purchases of $5,000+

Receive 0% APR for 36 months on qualifying purchases of $5,000 or more made with your Floor & Decor Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.

Special Financing Offer: 48 Months 0% APR
0% APR for 48 months on purchases of $7,500+

Receive 0% APR for 48 months on qualifying purchases of $7,500 or more made with your Floor & Decor Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.

Special Financing Offer: 60 Months 0% APR
0% APR for 60 months on purchases of $10,000+

Receive 0% APR for 60 months on qualifying purchases of $10,000 or more made with your Floor & Decor Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.

Exclusive Cardholder Offers
Varies by offer

Access to exclusive offers and promotions available only to Floor & Decor 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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6, 12, 18, or 24 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The Floor & Decor Credit Card, issued by Synchrony, primarily offers special promotional financing on qualifying purchases made at Floor & Decor stores and online. Eligibility requirements for 2026 are expected to remain standard: applicants must be at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria. Approval is subject to credit history review. There are typically no traditional sign-up bonuses; instead, the primary benefit is deferred interest promotional financing (e.g., 0% APR for 6, 12, 18, or 24 months on purchases over a specified minimum, with interest accruing from the purchase date if not paid in full by the end of the promotional period).

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable in the traditional sense of a sign-up bonus. Promotional financing offers apply to specific qualifying purchases at the time of transaction, rather than requiring cumulative spend over a set period to earn a bonus.

Shutdown Risk Triggers: Common triggers include: missed payments, high credit utilization across Synchrony accounts, suspected fraudulent activity, bankruptcy filings, excessive credit seeking (opening many Synchrony accounts in a short period), and abusing promotional financing terms (e.g., frequent large returns after utilizing financing).

Cliff Effect Rules: Synchrony's store card portfolio, including the Floor & Decor card, generally does not have 'cliff effect' rules or complex card family restrictions similar to major bank issuers. While Synchrony monitors total credit exposure across all accounts, there are no specific rules that penalize holding multiple cards from different Synchrony retail partners beyond general creditworthiness assessments.

Special Events: The Floor & Decor Credit Card often features enhanced promotional financing or exclusive discounts during store-specific sales events, such as seasonal sales (e.g., Spring Renovation Sale, Fall Refresh Event), grand openings of new locations, or promotions tied to specific product categories (e.g., tile, flooring, bath fixtures).

Holiday Promos: Promotional financing offers and potential cardholder-exclusive discounts are frequently available during major U.S. holiday shopping periods, including but not limited to: Memorial Day, Labor Day, Black Friday, Cyber Monday, and the broader Christmas/Year-End holiday season.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Excellent 0% APR financing options for large home improvement projects, making big purchases manageable without immediate interest.

Top Negative:
High deferred interest if not paid off within the promotional period, and frequent complaints about Synchrony Bank's customer service.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Home Depot Consumer Credit Card
  • Wells Fargo Reflect Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $200.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2024.01