4
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 4 Total
PENDINGFinancing 2
Heil HVAC System Financing Access
Provides cardholders with the ability to finance the purchase and installation of Heil heating and cooling systems through Synchrony, subject to credit approval.
Access to Special Financing Offers
Varies by promotionCardholders can take advantage of special financing promotions, such as deferred interest or reduced APR plans, for eligible Heil HVAC purchases. Specific terms depend on current promotions and credit approval.
Lifestyle 1
Online Account Management
Provides cardholders with secure online access to manage their account, view statements, and make payments at their convenience through the Synchrony platform.
Payment Options 1
Convenient Monthly Payment Options
Allows cardholders to manage their budget with convenient monthly payment options for their financed Heil HVAC system.
Benefits Summary (Flags)
PENDINGExtended 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
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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 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Heil Heating & Cooling credit card, issued by Synchrony, primarily offers special promotional financing on qualifying purchases made at participating Heil Heating & Cooling dealers. Eligibility for the card requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria. Promotional offers typically include deferred interest or reduced APR periods, contingent on the purchase amount and specific dealer promotions. There are no traditional points or cashback bonus rules; the primary 'bonus' is access to special financing terms not available with standard payment methods. Standard account terms apply after promotional periods.
Max Cards Per Issuer: 6
Min Spend Interval: Promotional financing terms vary, typically ranging from 6 to 60 months, depending on the specific offer and purchase amount. There is no traditional minimum spend interval for earning a bonus, as the benefit is the promotional financing itself, applied at the point of sale for qualifying purchases.
Cliff Effect Rules: Synchrony does not typically have 'card family' bonus restrictions like major issuers. However, a 'cliff effect' can occur where reaching a high cumulative credit limit across all Synchrony-issued cards (including other store cards) may lead to automatic denials for new applications, even if individual credit scores are strong. This is an internal risk management threshold.
Special Events: Promotional financing offers are frequently tied to seasonal sales events (e.g., Spring Tune-Up, Fall Furnace Check, Summer AC Deals) and specific dealer promotions from Heil Heating & Cooling authorized retailers. These events often feature enhanced financing terms for major system installations or repairs.
Holiday Promos: While less tied to traditional retail holidays, Heil Heating & Cooling promotions may align with periods of high demand or specific sales events around major U.S. holidays such as Memorial Day, Labor Day, Black Friday (for end-of-year inventory), and New Year's, often focusing on seasonal maintenance or replacement needs.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Allows for large, necessary home repairs without upfront cost; convenient payment plans; quick approval process.
Top Negative:
High interest rates after promotional period; limited use outside of Heil HVAC; customer service can be challenging with Synchrony.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Custom Cash Card
- Home Depot Consumer Credit Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: SYF-10000-0124
Last Updated: Jan 01, 2024 00:00