1
Benefits4
Reward Categories3x
Max Reward35%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| idearc Purchases | 3x | Cash Back | Net purchases made directly from idearc (online or authorized sales channels). | No Cap | |
| Gas | 2x | Cash Back | Net purchases at merchants classified as gas stations (based on Merchant Category Code). | No Cap | |
| Groceries | 2x | Cash Back | Net purchases at merchants classified as grocery stores (based on Merchant Category Code). | No Cap | |
| All Other Purchases | 1x | Cash Back | All other eligible net purchases not falling into 3% or 2% bonus categories. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 1 Total
PENDINGFinancing 1
Special Financing Offers
Varies by promotionAccess to special financing promotions on eligible idearc purchases made with the idearc Credit Card. These offers allow cardholders to defer interest or pay over time with promotional interest rates, subject to specific terms and conditions of each promotion.
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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 34.99% - 34.99%
Cash Advance APR: 34.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility requires applicants to be 18 years or older, a U.S. resident with a valid SSN or ITIN, and meet Synchrony's creditworthiness criteria. Approval for store cards like idearc is often accessible to individuals with fair credit. Bonus rules typically include an initial discount (e.g., 10-20% off first purchase) or special promotional financing offers (e.g., 0% APR for 6-12 months on qualifying purchases). Specific bonus details are subject to the card's terms and conditions at the time of application.
Max Cards Per Issuer: 2
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not have explicit 'card family' rules like some major issuers. However, approvals and credit limits are heavily influenced by the applicant's total credit exposure with Synchrony. Applying for multiple Synchrony cards too quickly or having a high cumulative credit limit across existing Synchrony accounts can lead to application denials or account reviews/closures.
Special Events: Exclusive cardholder discounts, early access to sales, special financing offers (e.g., 0% APR on qualifying purchases), and birthday rewards.
Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, Valentine's Day, Mother's Day, Father's Day, and other major shopping holidays.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Provides essential financing for dental procedures; offers promotional interest rates; relatively easy application process.
Top Negative:
High deferred interest if not paid in full; limited acceptance to specific providers; reports of challenging customer service experiences.
Approval Experience: 75.0 / 100
Recommended Alternatives
- CareCredit (Synchrony)
- Wells Fargo Health Advantage Card
- Discover it Secured
Card Value Score: 70.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0