HSN Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: hsn-credit-card

Issuer: Synchrony

Card Name: HSN Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:22

Last Scraped: Feb 17, 2026 04:23

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Points

Bonus Rate: 2x

Categories: HSN purchases

Quarterly Rotating: No

Expiration Policy: Spendable Ka$h expires 90 days after issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0

The HSN Credit Card does not charge an annual fee for card membership.

Shopping 4
Special Financing Offers
Varies by offer

Cardholders may receive special financing options on qualifying purchases made with the HSN Card, allowing for deferred interest or reduced interest payments over a promotional period.

ExtraFlex Payment Option
Varies by offer

Cardholders can get an additional flexible payment option (ExtraFlex) on qualifying purchases, allowing them to spread payments over an extended period beyond standard FlexPay.

VIP Savings Events Access
Varies by event

Exclusive access to special savings events and promotions reserved for HSN Card VIP members.

Exclusive Cardholder Offers
Varies by offer

Cardholders receive exclusive discounts, promotions, and special offers available only to HSN Card members.

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
Late Fee: $41.00
Returned Payment: $30.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

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, 12, 18 or 24 Months. Minimum monthly payments required. See offer for full details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), have a verifiable U.S. mailing address, and meet Synchrony Bank's creditworthiness criteria. Application: Available online via HSN.com or during the checkout process. Bonus Rules: Typically offers a percentage discount (e.g., 15-20%) on the first purchase made with the card, or special financing options (e.g., 0% APR for a promotional period on qualifying HSN purchases). These initial bonuses usually do not have complex spend requirements beyond the initial purchase. Store-specific restrictions: The HSN Credit Card is primarily intended for purchases made directly from HSN (via HSN.com, TV, or app) and may not be accepted at other retailers.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for typical first-purchase discounts; 3-6 months for larger spend-based sign-up bonuses if offered.

Shutdown Risk Triggers: Manufactured spending (less common for store cards), excessive credit seeking (multiple applications in a short period), high cumulative credit limit across all Synchrony accounts, abuse of promotional offers (e.g., return abuse after discount application), late payments or defaults on any Synchrony account, suspicious account activity, or significant changes in credit profile.

Cliff Effect Rules: Synchrony does not impose explicit 'cliff effect' rules similar to major issuers (e.g., Chase 5/24). However, internal algorithms monitor application velocity and total credit exposure across all Synchrony-issued accounts. Applying for numerous Synchrony cards within a short timeframe or exceeding a perceived total credit limit can lead to application denials or account reviews. There are no 'once per lifetime' rules for sign-up bonuses on this card.

Special Events: HSN Today's Special offers, FlexPay promotions, VIP shopping events, birthday discounts, exclusive cardholder-only sales, free shipping promotions for cardholders, and special financing offers on select HSN products.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, Valentine's Day, Memorial Day, Labor Day, 4th of July, and other seasonal sales events specific to HSN's retail calendar.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Good for frequent HSN/QVC shoppers, easy to get approved, no annual fee, special financing options are useful for large purchases.

Top Negative:
High APR, customer service issues, limited use outside HSN/QVC, promotional financing terms can be confusing or lead to high interest if not paid off.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Store Card
  • Capital One Platinum Secured
  • Discover it® Cash Back

Card Value Score: 60.0 / 100

Est. Annual Rewards: $35.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2023-10