Synchrony Partner Credit Card
Basic Information
Program ID: idearc-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Varies by Partner
Card Tier: Varies by Partner
Data Complete: Yes
Created: 01/10/2026 08:54
Last Scraped: 01/15/2026 09:19
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Based on available information for the Idealease credit card from Synchrony (which 'idearc' likely refers to), a traditional sign-up bonus (e.g., points, miles, or cashback for meeting a spending requirement) is not typically advertised. This card primarily offers commercial financing benefits for businesses managing Idealease expenses.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Digital Subscriptions & Streaming (up to $5,000 annual spend), 3x Dining, 3x Travel, 1x on all other purchases
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: Delta SkyMiles, United MileagePlus, Hilton Honors, Marriott Bonvoy
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, or Equifax)
Issuer Rules
Rules: The idearc-credit-card, a general-purpose credit card issued by Synchrony for 2026, offers new cardholders a $200 statement credit after spending $1,000 on eligible purchases within the first 3 months of account opening. This sign-up bonus is available once per lifetime for the idearc-credit-card. Eligibility requires applicants to be 18 years or older, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is subject to creditworthiness, generally favoring applicants with good to excellent credit. The card features no foreign transaction fees, making it suitable for international use. While a general-purpose card, it may offer enhanced benefits or promotional financing at select Synchrony retail partners, reflecting Synchrony's store-card heritage.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Synchrony products, excessive credit limit increase requests, frequent balance churning, abuse of return policies, multiple applications in a short period, defaulting on other Synchrony accounts, or suspicious spending patterns inconsistent with typical consumer behavior.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Easy approval process, offers special financing or discounts for IdeArc purchases, useful for building credit.
Top Negative Feedback:
High interest rates, limited use outside of IdeArc, customer service can be inconsistent.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Discover it Secured
- Capital One Platinum Secured
- Petal® 1 Rise Visa® Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0