Goodman® Credit Card

Synchrony Pending

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1

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: goodman-air-conditioning-heating-credit-card

Issuer: Synchrony

Card Name: Goodman® Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 03:52

Last Scraped: Feb 17, 2026 03:53

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) 1 Total
PENDING
Financing 1
Access to Special Promotional Financing Offers
Varies by promotion

Cardholders may be eligible for special promotional financing offers, such as deferred interest or reduced APR periods, on qualifying purchases made with the Goodman credit card through Synchrony Bank. Availability of specific offers is subject to dealer participation and current promotions.

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: $41.00
Returned Payment: $41.00
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.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Goodman Air Conditioning & Heating credit card, issued by Synchrony, is a store-specific financing tool. Its primary 'bonus' is promotional financing offers, such as 0% APR for a specified period (e.g., 6, 12, 24, 36, 60 months) on qualifying purchases of Goodman HVAC systems and services. These offers are typically available for large, pre-approved purchases made at participating Goodman dealers. There are no traditional sign-up bonuses for general spend. Eligibility requirements for 2026 include: being a U.S. resident, at least 18 years of age (19 in AL and NE), possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a good to excellent credit history. Applications are typically processed in-store at participating Goodman dealers or through their authorized online portals, often with instant decisioning. The card is exclusively for purchases made at participating Goodman Air Conditioning & Heating dealers.

Max Cards Per Issuer: 6

Min Spend Interval: Not applicable for traditional bonus spend. Promotional financing terms apply to qualifying purchases made at participating Goodman dealers, with specific durations (e.g., 6, 12, 24, 36, 60 months) for 0% APR or reduced APR offers, which must be paid off within their respective promotional periods to avoid deferred interest.

Shutdown Risk Triggers: Common Synchrony shutdown triggers include: high cumulative credit limit across multiple Synchrony accounts, rapid succession of applications for Synchrony cards, failure to make minimum payments or defaulting on promotional financing terms, suspicious account activity, suspected fraud, and abuse of promotional financing (e.g., opening multiple accounts for large purchases without demonstrating repayment capacity). While less common for store cards, manufactured spending could also be a trigger if detected.

Cliff Effect Rules: Not applicable. Store cards, including the Goodman card, typically do not have 'card families' with inter-card restrictions or 'cliff effects' on benefits or eligibility based on other Synchrony products.

Special Events: Seasonal promotional financing offers (e.g., Spring/Fall HVAC promotions), dealer-specific sales events, and manufacturer rebates tied to card usage are common. These events often feature enhanced financing terms or additional discounts for cardholders.

Holiday Promos: Specific promotional financing offers may be available during major holiday seasons (e.g., Black Friday, year-end sales) or during periods of high demand for HVAC services (e.g., summer heatwaves, winter cold snaps) to incentivize purchases.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Provides essential financing for large HVAC purchases; Offers special promotional financing (deferred interest) which can be beneficial if paid off on time; Convenient monthly payments for homeowners.

Top Negative:
High standard APR if promotional terms are not met; Deferred interest can be costly if balance is not paid in full before the promotional period ends; Limited use outside of Goodman purchases.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Wells Fargo Active Cash Card
  • Home Depot Consumer Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2023-09