Furniture Row Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

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Max Reward

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APR From
Basic Information
PENDING

Program ID: furniture-row-credit-card

Issuer: Synchrony

Card Name: Furniture Row Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 03:44

Last Scraped: Feb 17, 2026 03:45

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides benefits and protections to military personnel and their dependents under the Servicemembers Civil Relief Act (SCRA). Eligible active duty Servicemembers or their dependents may qualify for these benefits. Contact Synchrony for more information.

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Account Management 1
Online Account Access

Manage your Furniture Row Credit Card account securely online, including viewing statements, making payments, and monitoring activity.

Financial 2
No Annual Fee
No annual fee

There is no annual fee associated with maintaining the Furniture Row Credit Card account.

Flexible Payment Options

The card offers convenient monthly payment options to manage your purchases over time.

Shopping 1
Special Financing Offers
Varies by promotion

Cardholders can take advantage of special financing promotions on qualifying purchases made with the Furniture Row Credit Card, allowing for deferred interest or reduced APR periods.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
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 purchase is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: Applicants must be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony Bank's creditworthiness criteria. Approval is subject to a review of the applicant's credit history. Bonus/Promotional Rules: The primary benefit is access to exclusive promotional financing offers (e.g., 0% APR for a specified period) on qualifying purchases made at Furniture Row stores. These offers are typically tied to minimum purchase amounts and specific promotional windows. Standard APR applies to any remaining balance after the promotional period if not paid in full.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for a traditional bonus. Promotional financing terms apply to specific purchases made during designated promotional periods, rather than a cumulative spend for a separate bonus.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, defaulting on any Synchrony account, consistent missed payments, high credit utilization across Synchrony accounts, suspicious account activity, or significant adverse changes in credit profile.

Cliff Effect Rules: Not applicable. Store-specific credit cards like the Furniture Row card typically do not have complex 'card family' rules or benefit tiers that create cliff effects.

Special Events: Store-wide sales events (e.g., anniversary sales, clearance events, new collection launches), special in-store financing promotions, and exclusive cardholder-only offers.

Holiday Promos: Major retail holidays such as Black Friday/Cyber Monday, Christmas/New Year, Memorial Day, Labor Day, 4th of July, President's Day, and other seasonal sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.1 / 5.0

Top Positive:
Easy approval for fair credit, useful promotional financing offers for large purchases, convenient for Furniture Row shoppers.

Top Negative:
High deferred interest, poor customer service, high standard APR, and complex billing terms.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Citi Custom Cash Card
  • Wells Fargo Reflect Card
  • Discover it Secured Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0