Havertys Credit Card

Synchrony Pending

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7

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: haverty-furniture-companies-credit-card

Issuer: Synchrony

Card Name: Havertys Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:07

Last Scraped: Feb 17, 2026 04:09

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers an interest rate reduction to 6% on credit card accounts opened prior to active duty for eligible Servicemembers under the Servicemembers Civil Relief Act (SCRA).

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) 7 Total
PENDING
Financial 1
No Annual Fee
No annual fee

Cardholders are not charged an annual fee for maintaining the credit card account.

Shopping 6
Exclusive Cardholder Offers
Varies by offer

Access to special promotions and discounts available only to Havertys Credit Card holders.

Special Financing: 0% APR for 12 months
0% APR for 12 months on purchases of $1,000+

Receive 0% APR for 12 months on qualifying purchases of $1,000 or more made with the Havertys Credit Card. No interest will be charged on the promotional purchase if the full promotional purchase amount is paid within the promotional period. Otherwise, interest will be charged from the purchase date. Subject to credit approval. Minimum monthly payments required.

Special Financing: 0% APR for 24 months
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 the Havertys Credit Card. No interest will be charged on the promotional purchase if the full promotional purchase amount is paid within the promotional period. Otherwise, interest will be charged from the purchase date. Subject to credit approval. Minimum monthly payments required.

Special Financing: 0% APR for 36 months
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 the Havertys Credit Card. No interest will be charged on the promotional purchase if the full promotional purchase amount is paid within the promotional period. Otherwise, interest will be charged from the purchase date. Subject to credit approval. Minimum monthly payments required.

Special Financing: 0% APR for 48 months
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 the Havertys Credit Card. No interest will be charged on the promotional purchase if the full promotional purchase amount is paid within the promotional period. Otherwise, interest will be charged from the purchase date. Subject to credit approval. Minimum monthly payments required.

Special Financing: 0% APR for 60 months
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 the Havertys Credit Card. No interest will be charged on the promotional purchase if the full promotional purchase amount is paid within the promotional period. Otherwise, interest will be charged from the purchase date. Subject to credit approval. Minimum monthly payments required.

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

Promo Duration: 60 months

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. See store for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Haverty's credit card, issued by Synchrony Bank, primarily offers special promotional financing on qualifying purchases rather than traditional points or cash-back bonuses. Eligibility requirements for application 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 having a verifiable source of income. Approval is subject to Synchrony Bank's credit assessment, typically requiring fair to good credit, though store cards can sometimes be approved with a broader range of credit scores. Promotional financing offers (e.g., 0% APR for X months) are subject to specific purchase minimums and terms, which must be met during the advertised promotional period. Standard APR applies to non-promotional purchases or after the promotional period ends.

Max Cards Per Issuer: 5

Min Spend Interval: N/A

Shutdown Risk Triggers: Common triggers for Synchrony account shutdown or adverse action include high cumulative credit limits across all Synchrony accounts, rapid succession of new credit applications, late or missed payments on any Synchrony account, suspicious or fraudulent activity, and breach of cardholder agreement terms. While manufactured spending is less common for store cards, it is a general Synchrony concern.

Cliff Effect Rules: Not applicable. The Haverty's credit card is a store-specific credit product and does not belong to a broader card family with 'cliff effect' rules that impact eligibility or benefits for other Synchrony cards.

Special Events: Havertys frequently offers enhanced promotional financing during major sales events such as President's Day, Memorial Day, Labor Day, Black Friday, and Year-End Clearance. These events are prime opportunities for cardholders to utilize special financing terms.

Holiday Promos: Key holiday periods, including Christmas/New Year, Easter, and other national holidays, often coincide with special financing promotions and sales events at Havertys.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, beneficial special financing offers for large purchases, and exclusive discounts for Havertys customers.

Top Negative:
High standard APR, potential for deferred interest charges if balance isn't paid in full by promotion end, and limited utility outside Havertys stores.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Ashley Furniture Credit Card
  • Wells Fargo Reflect Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $250.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: October 2023