Flooring America Credit Card

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: flooring-america-credit-card

Issuer: Synchrony

Card Name: Flooring America Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:56

Last Scraped: Feb 16, 2026 18:58

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

Quarterly Rotating: No

Benefits & Protections (Detailed) 2 Total
PENDING
Financial Savings 1
No Annual Fee
$0

The Flooring America credit card does not charge an annual fee for maintaining the account.

Shopping 1
Special Financing on Qualifying Purchases
Varies by promotional offer

Cardholders can access special promotional financing offers on eligible purchases made at Flooring America, allowing for deferred interest or reduced APR periods, subject to specific offer terms and conditions.

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
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ 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.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be U.S. residents, 18 years or older, with a valid Social Security Number or ITIN. Approval is subject to a satisfactory credit history and sufficient income, determined by Synchrony's underwriting standards. Bonus Rule: The primary benefit is promotional financing offers, such as 0% APR for a specified period (e.g., 6, 12, 18, 24, 36, 48, or 60 months) on qualifying purchases made at Flooring America. These offers typically require a minimum purchase amount and may involve deferred interest if the balance is not paid in full by the end of the promotional period. There is no traditional sign-up bonus spend requirement. Application Rules: Applications are typically processed instantly online or in-store. Synchrony performs a hard credit inquiry. While Synchrony does not have a strict 'X/Y' rule for store cards like general-purpose cards, frequent applications for Synchrony products within a short timeframe (e.g., 3-6 months) may lead to denials due to perceived credit seeking behavior or high credit exposure.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for promotional financing offers, which are tied to specific purchases rather than a cumulative spend bonus.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive applications for Synchrony products within a short period, missed payments or delinquency, suspected fraudulent activity, or breach of cardholder agreement terms. Manufactured spending is generally not a concern for store-specific cards.

Cliff Effect Rules: No traditional 'card family' rules or 'cliff effects' related to earning bonuses across different card tiers. The primary 'cliff effect' for this card relates to the expiration of promotional financing periods, where any remaining balance will be subject to the standard, often high, purchase APR if not paid in full.

Special Events: Frequent in-store promotions, exclusive cardholder discounts, and enhanced promotional financing offers tied to specific sales events (e.g., seasonal sales, anniversary sales, new product launches) at Flooring America locations.

Holiday Promos: Special promotional financing offers and discounts typically available during major holiday shopping periods such as Black Friday, Cyber Monday, Christmas/New Year, Memorial Day, Labor Day, and other national holidays.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval process for store purchases; offers valuable promotional financing for large home improvement projects; convenient for managing flooring expenses.

Top Negative:
High standard APR after promotional period; deferred interest can be costly if not paid in full; limited use outside of Flooring America stores.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Lowe's Advantage Card
  • Citi Double Cash Card

Card Value Score: 68.0 / 100

Est. Annual Rewards: $20.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0