7
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| fullbeauty Brands Purchases | 2x | Points | Purchases made at fullbeauty brands | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Mastercard is accepted | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 2x
Categories: 2x at Fullbeauty Brands (Woman Within, Roaman's, Jessica London, KingSize, BrylaneHome, OneStopPlus, Ellos, Catherines, SwimsuitsForAll, IntimatesForAll, ShoesForAll)
Quarterly Rotating: No
Expiration Policy: Points expire 24 months from the date they are earned. Reward Certificates expire 90 days from issuance.
Point Value: 0.03¢
Travel Portal Multiplier: 1x
Redemption Penalties: Reward Certificates expire 90 days from issuance.
Benefits & Protections (Detailed) 7 Total
PENDINGFinancial 1
No Annual Fee
$0 annual feeThe fullbeauty Credit Card does not charge an annual fee.
Lifestyle 1
Birthday Reward
$10Receive a $10 reward during your birthday month as a fullbeauty Credit Card holder.
Shopping 5
First Purchase Discount
20% offSave 20% on your first purchase made with the fullbeauty Credit Card.
Rewards Points Earning
2 points per $1 spentEarn 2 points for every $1 spent at fullbeauty brands when using the fullbeauty Credit Card.
Free Shipping
Free standard shippingEnjoy free standard shipping on all orders placed with your fullbeauty Credit Card.
Exclusive Cardholder Offers
VariesAccess special promotions and discounts available only to fullbeauty Credit Card holders.
Early Access to Sales
Early accessGet early access to sales events before they are available to the general public.
Benefits Summary (Flags)
PENDINGExtended 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: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Fullbeauty Mastercard typically offers a sign-up bonus such as a percentage off the first purchase (e.g., 20-30% off) and ongoing rewards (e.g., 2 points per $1 spent at Fullbeauty brands, 1 point per $1 elsewhere). Points are redeemable for rewards certificates. Eligibility requirements for 2026 include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing a good to excellent credit history. Synchrony may also consider the applicant's existing credit relationships with the issuer and recent application velocity.
Max Cards Per Issuer: 7
Min Spend Interval: N/A for typical sign-up bonus; initial discounts are usually tied to the first purchase.
Cliff Effect Rules: Synchrony does not typically have complex 'cliff effect' rules like those for premium travel cards (e.g., Chase 5/24, Amex once-per-lifetime bonus). However, the issuer does consider application velocity and total credit exposure across all its products. Applying for too many Synchrony cards in a short period (e.g., more than 1-2 every 6 months) can lead to denials for new accounts.
Special Events: Cardholder-exclusive discounts and early access to sales, birthday discounts/rewards, double/triple points events on specific categories or during promotions, free shipping offers for cardholders, and tiered rewards based on annual spend (e.g., 'Silver,' 'Gold' status).
Holiday Promos: Major retail holidays such as Valentine's Day, Mother's Day, Father's Day, 4th of July, Labor Day, Halloween, Thanksgiving, Black Friday, Cyber Monday, Christmas/Holiday Season, and New Year's. Specific Fullbeauty brand seasonal sales will also feature cardholder promotions.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.5 / 5.0
Top Positive:
Easy to get approved for, especially for building credit. Offers occasional discounts and special financing on Fullbeauty purchases.
Top Negative:
Very high interest rates, poor customer service experience, and low credit limits. Many users report issues with deferred interest promotions.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Capital One SavorOne Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
- Petal 2 Visa Credit Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $95.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2024-01-01