Havertys Credit Card
Basic Information
Program ID: havertys-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:06
Last Scraped: 01/15/2026 12:08
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $5,999.00
Time Period: 1080 days
Bonus Timing: The welcome offer for the Havertys credit card is a deferred interest financing promotion, not a traditional points/cash bonus. The benefit (no interest if paid in full within the promotional period) is applied at the time of qualifying purchase with the Havertys credit card. Interest will be charged from the purchase date if the promotional balance is not paid in full within the promotional period.
Rewards Program
Reward Type: Points
Base Reward Rate: 0.00%
Bonus Reward Rate: 2.00%
Bonus Categories: Havertys Purchases (promotional offers)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points typically do not expire as long as the account is active.
Transfer Partners: N/A - Not applicable for this store card.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: The Havertys credit card, issued by Synchrony Bank, primarily offers promotional financing on purchases made at Havertys stores or online. There is no traditional sign-up bonus (e.g., points or cash back) associated with this card. Eligibility Requirements for 2026 are expected to remain consistent: Applicants must be at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number or ITIN, and have a verifiable income. Approval is subject to Synchrony Bank's credit underwriting standards, which typically consider credit history, income, and existing debt. The card is designed for use exclusively at Havertys locations.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: Not applicable for a traditional bonus. Promotional financing offers are typically tied to specific purchase amounts made during designated promotional periods at Havertys.
Shutdown Risk Triggers: Common triggers for Synchrony Bank include: high cumulative credit limit across multiple Synchrony accounts, missed or consistently late payments on any Synchrony account, significant derogatory marks on credit reports (e.g., bankruptcy), suspected fraudulent activity, or failure to adhere to promotional financing terms (e.g., not paying off deferred interest balances).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy approval for financing large furniture purchases; useful for taking advantage of promotional 0% APR offers; convenient for repeat Havertys shoppers.
Top Negative Feedback:
High deferred interest if balance not paid in full by promotion end; limited utility outside of Havertys; customer service issues with Synchrony Bank; high standard APR.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Wells Fargo Reflect Card
- Chase Freedom Unlimited
- Citi Custom Cash Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $25.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0