7
Benefits4
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| HSN Purchases | 2x | Points | Purchases made at HSN | No Cap | |
| Gas | 2x | Points | Purchases at gas stations | No Cap | |
| Dining | 2x | Points | Purchases at restaurants | No Cap | |
| All Other Purchases | 1x | Points | All eligible purchases not categorized as HSN, gas, or restaurant purchases | No Cap |
Rewards Summary
PENDINGReward Type: HSN Rewards Dollars
Base Rate: 1x
Bonus Rate: 2x
Categories: HSN Purchases, Gas & Restaurants
Quarterly Rotating: No
Expiration Policy: HSN Rewards Dollars expire 12 months from the date they are earned.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: HSN Rewards Dollars can only be redeemed for purchases at HSN.com or via HSN TV.
Benefits & Protections (Detailed) 7 Total
PENDINGSecurity 3
Zero Liability Protection
Full protection against unauthorized chargesProtects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for fraudulent charges.
Mastercard Global Service
24/7 assistanceProvides 24/7 emergency assistance for card-related issues, including lost/stolen card reporting, emergency card replacement, and emergency cash advance.
Identity Theft Protection
Assistance servicesProvides access to identity theft resolution services, including assistance with credit bureau alerts and replacing lost/stolen documents.
Shopping 4
ExtraFlex Payment Options
6, 9, or 12 FlexPay paymentsAllows cardholders to choose extended payment plans (6, 9, or 12 FlexPay payments) on qualifying HSN purchases.
VIP Savings & Exclusive Offers
Exclusive offers and promotionsAccess to exclusive offers and promotions throughout the year for HSN cardholders.
Birthday Offer
Special offerReceive a special offer during your birthday month.
HSN Rewards Program
2 points per $1 on HSN, 1 point per $1 elsewhere; 1,000 points = $10 HSN Spendable Ka$hEarn 2 points per $1 spent on HSN purchases and 1 point per $1 spent everywhere else Mastercard is accepted. Points can be redeemed for $10 HSN Spendable Ka$h for every 1,000 points.
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
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 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 3.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 24 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Application Eligibility: Applicants must be a U.S. resident, 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate sufficient income. A good to excellent credit score is generally recommended, though Synchrony may approve applicants with fair credit for store-branded cards. Bonus Rule: Typically, new cardholders receive a one-time discount (e.g., $20-$40 off) on their first HSN purchase made with the card upon approval. Ongoing benefits include special financing offers on HSN purchases and bonus rewards (e.g., 2-4% back) on HSN and QVC purchases, with 1% back on all other Mastercard purchases. Eligibility for the first purchase bonus is generally limited to new accounts.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not enforce strict 'card family' rules like Chase's 5/24. However, they do manage overall credit exposure. Applying for too many Synchrony cards in a short period or accumulating very high credit limits across existing Synchrony accounts can lead to denials for new applications or lower credit limits being offered. There is no specific 'cliff' but rather a cumulative risk assessment based on the applicant's credit profile and existing Synchrony relationship.
Special Events: HSN frequently offers exclusive cardholder promotions, special financing options (e.g., 0% APR for X months on qualifying purchases), bonus rewards days, and early access to sales events, particularly for HSN and QVC branded merchandise. These events are often tied to product launches, seasonal sales, or HSN's anniversary.
Holiday Promos: Expect enhanced promotions, special financing, and bonus rewards during major shopping holidays such as Black Friday/Cyber Monday, Christmas/Holiday Season, Mother's Day, Valentine's Day, Memorial Day, Labor Day, and HSN's anniversary sales events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Good for frequent HSN shoppers, offers special financing options, and provides rewards on HSN purchases.
Top Negative:
High interest rates, poor customer service from Synchrony, and rewards are less valuable for non-HSN spending.
Approval Experience: 65.0 / 100
Recommended Alternatives
- QVC Credit Card
- Citi Custom Cash Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $70.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0