Havertys Credit Card

Synchrony Pending

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6

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: havertys-credit-card

Issuer: Synchrony

Card Name: Havertys Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:06

Last Scraped: Feb 15, 2026 16:25

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides benefits to eligible Servicemembers under the Servicemembers Civil Relief Act (SCRA), including a potential interest rate reduction to 0% APR on balances existing prior to active duty and on new purchases made during active duty.

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) 6 Total
PENDING
Lifestyle 1
Online Account Management
24/7 online access

Cardholders can conveniently manage their Havertys credit card account online 24/7, including viewing statements, making payments, and updating personal information.

Shopping 5
Special Financing - 12 Months
0% APR for 12 months

No interest if paid in full within 12 months on qualifying purchases of $999 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months.

Special Financing - 24 Months
0% APR for 24 months

No interest if paid in full within 24 months on qualifying purchases of $1999 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 24 months.

Special Financing - 36 Months
0% APR for 36 months

No interest if paid in full within 36 months on qualifying purchases of $2999 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 36 months.

No Annual Fee
No annual fee

The Havertys credit card does not charge an annual fee for card membership.

Exclusive Cardholder Promotions
Access to exclusive offers

Access to special promotional offers, discounts, and events available exclusively to Havertys credit cardholders.

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

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ For these offers, interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required. The APR for these offers is 29.99%.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The Havertys Credit Card, issued by Synchrony, primarily offers special financing promotions rather than traditional sign-up bonuses. Eligibility requirements typically include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating sufficient income and creditworthiness. While approval is often possible with fair to good credit, the best promotional financing offers are usually reserved for applicants with good to excellent credit. The card is intended for purchases at Havertys stores and havertys.com.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional bonus spend; promotional financing terms vary by offer and typically require a minimum purchase amount.

Shutdown Risk Triggers: Excessive credit seeking (multiple Synchrony applications in a short period), high cumulative credit limit across Synchrony accounts, defaulting on any Synchrony account, suspected abuse of promotional financing terms, bankruptcy, or significant derogatory credit events.

Cliff Effect Rules: Not applicable; Synchrony store cards are generally independent and do not have 'card family' rules impacting eligibility or benefits across different store programs.

Special Events: Frequent promotional financing offers tied to store-wide sales events, new product launches, or specific purchase thresholds. Examples include 'No Interest if Paid in Full' promotions for various durations (e.g., 12, 24, 36, 48 months) on qualifying purchases, or special discounts on specific furniture categories.

Holiday Promos: Common during major retail holidays such as Memorial Day, Labor Day, Black Friday, Christmas/New Year, and President's Day, often featuring enhanced promotional financing terms or special discounts on Havertys merchandise.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for financing large furniture purchases; helpful promotional 0% APR offers; convenient online account management.

Top Negative:
High regular APR after promotional period; deferred interest can be costly if not paid in full; limited use only at Havertys; mixed customer service experiences.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Custom Cash Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v20231026