Ashley Advantage™ Credit Card

Synchrony Pending

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8

Benefits

0

Reward Categories

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Max Reward

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Basic Information
PENDING

Program ID: home-design-credit-card

Issuer: Synchrony

Card Name: Ashley Advantage™ Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:14

Last Scraped: Feb 17, 2026 04:16

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits and protections under the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA). SCRA benefits include an interest rate reduction to 6% APR on eligible accounts opened before active duty.

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

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 8 Total
PENDING
Lifestyle 1
Easy Application Process

Streamlined and simple application process for quick credit decisions, making it easy to get started with your home projects.

Security 2
Online Account Access
24/7 access

Access your account 24/7 to view statements, make payments, and manage your account details online.

Zero Fraud Liability
Full protection

You are not responsible for unauthorized charges made with your card.

Shopping 5
Special Financing Offers
Varies by promotion (e.g., 6, 12, 18, 24 months)

Take advantage of special financing options on qualifying purchases, allowing you to manage your budget over time with deferred interest or reduced APR promotions.

Flexible Monthly Payments

Benefit from convenient monthly payments to help manage your budget effectively.

Revolving Line of Credit
Credit limit varies by approval

A dedicated revolving line of credit for future home improvement and design purchases, providing ongoing purchasing power.

Acceptance at Synchrony HOME Network
Thousands of retailers

Use your card for purchases at thousands of participating Synchrony HOME network retailers nationwide.

No Annual Fee
No annual fee

Enjoy the benefits of the card without paying an annual fee.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Interest Rates & APR
PENDING
Standard APR
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 6 or 12 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older (21 in AL, NE, PR), a US resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). All applications are subject to Synchrony's credit approval standards. Approval may be impacted by existing credit exposure with Synchrony or recent credit inquiries. Bonus Rule: New cardholders receive a 15% discount on their first qualifying purchase made within 30 days of account opening, up to a maximum discount of $100. Additionally, deferred interest financing (0% APR) is available on qualifying purchases of $299 or more if paid in full within 6, 12, or 18 months, depending on the purchase amount and specific store promotions. Application Rules: Applications are primarily processed online or in-store at participating home design retailers. Store-specific restrictions apply to all offers and benefits.

Max Cards Per Issuer: 5

Min Spend Interval: 1 month

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive credit seeking, abuse of promotional financing offers (e.g., frequent returns after using discounts), failure to make minimum payments, or suspected fraudulent activity.

Cliff Effect Rules: Bonus eligibility for the 'home-design-credit-card' is generally limited to once every 24 months per card product. Synchrony may also limit the number of promotional financing offers an individual can receive within a specific timeframe across its partner network.

Special Events: Exclusive cardholder-only sales events, double rewards points days on specific product categories, early access to new product launches, and special financing offers during seasonal promotions.

Holiday Promos: Black Friday/Cyber Monday (November-December), Memorial Day (May), Labor Day (September), 4th of July (July), and various seasonal home improvement sales (Spring/Fall).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval for store-specific financing, useful for large purchases with promotional APRs, and often provides discounts at partner retailers.

Top Negative:
High regular APRs after promotional periods, occasional customer service issues, and limited general use outside specific stores.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Home Depot Consumer Credit Card
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $100.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0