Hot Topic Guest List Credit Card

Synchrony Mastercard Pending

Back Apply Now

6

Benefits

2

Reward Categories

5x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: hot-topic-guest-list-credit-card

Issuer: Synchrony

Card Name: Hot Topic Guest List Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:18

Last Scraped: Feb 17, 2026 04:19

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Servicemembers on active duty may be eligible for an interest rate reduction to 6% on certain pre-service obligations under the SCRA.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Hot Topic Purchases 5x Points Purchases made at Hot Topic stores or hottopic.com No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa credit cards are accepted No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 10x

Categories: 10x Hot Topic purchases

Quarterly Rotating: No

Expiration Policy: Points expire 12 months from the date they are earned if not redeemed.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Hot Cash rewards expire 45 days from issuance. Redemption is restricted to Hot Topic merchandise.

Benefits & Protections (Detailed) 6 Total
PENDING
Financial 2
Special Financing Offers
Varies by offer

Eligibility for special financing promotions on qualifying purchases made with the Hot Topic Guest List Credit Card.

No Annual Fee
$0 annual fee

The Hot Topic Guest List Credit Card does not charge an annual fee for card membership.

Shopping 4
Points Earning on Purchases
1 point per $1 spent

Earn 1 point for every $1 spent on qualifying purchases made with the Hot Topic Guest List Credit Card.

Reward Redemption
$5 reward for 100 points

Receive a $5 reward for every 100 points earned through the Hot Topic Guest List program, which can be redeemed on future purchases.

First Purchase Discount
20% off

Get 20% off your first purchase when you open and use your Hot Topic Guest List Credit Card.

Exclusive Cardholder Offers
Varies by offer

Access to special promotions, discounts, and events available only to Hot Topic Guest List 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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ 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 or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Bonus Rule: Earn 5 points per $1 spent at Hot Topic and BoxLunch. New cardholders receive 20% off their first Hot Topic purchase made within 30 days of account opening, plus an additional 1000 bonus points after spending $500 outside of Hot Topic/BoxLunch within the first 90 days. Points are redeemable for Hot Topic and BoxLunch merchandise. Eligibility Requirements: Applicants must be 18 years or older, a U.S. resident, possess a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria. Approval is subject to credit history and income verification. Store-specific restrictions apply, including limitations on certain promotional items or services.

Max Cards Per Issuer: 5

Min Spend Interval: 90 days

Shutdown Risk Triggers: Excessive credit exposure across Synchrony products, frequent late payments, defaulting on promotional financing, unusual spending patterns inconsistent with typical retail purchases, high volume of returns, or suspected fraudulent activity.

Cliff Effect Rules: Synchrony does not enforce specific 'card family' or 'lifetime' rules that prevent eligibility for other cards based on prior card ownership. However, overall credit exposure with Synchrony Bank is a significant factor in new card approvals and credit limit increases across all Synchrony-issued products.

Special Events: Hot Topic's annual 'Guest List' member events, exclusive merchandise drops (e.g., Funko Pop! releases, anime/manga collections), convention-exclusive merchandise pre-sales (e.g., SDCC, NYCC), and seasonal collection launches.

Holiday Promos: Black Friday/Cyber Monday week, Christmas/Holiday shopping season (November-December), Back-to-School (July-August), Valentine's Day (January-February), Halloween (September-October).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.9 / 5.0

Top Positive:
Easy approval process, beneficial for building credit, offers exclusive discounts and rewards specifically for Hot Topic purchases, including birthday offers.

Top Negative:
High Annual Percentage Rate (APR), frequent complaints about Synchrony's customer service, rewards are restricted to Hot Topic only, users often report low initial credit limits, and some experience issues with online account management.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Target RedCard
  • Amazon Store Card
  • Capital One Platinum Secured

Card Value Score: 75.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0