Synchrony Pending

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Basic Information
PENDING

Program ID: insight-credit-card

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:34

Last Scraped: Feb 17, 2026 04:36

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The Insight Credit Card does not charge an annual fee.

Financing 1
Special Financing Offers
Varies by offer

Cardholders can take advantage of special financing offers on eligible purchases made with the Insight Credit Card at Insight.com.

Shopping 1
Exclusive Promotional Offers and Discounts
Varies by offer

Cardholders receive exclusive promotional offers and discounts on products and services from Insight.

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

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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
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
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
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Insight Credit Card, issued by Synchrony, is a store-specific credit product primarily for purchases at the designated 'Insight' store or its affiliated brands. Eligibility for 2026 requires applicants to be at least 18 years old, possess a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria, which includes a credit check. Application is typically available online or in-store. Bonus offers for 2026 are anticipated to include an initial discount (e.g., 10-20% off the first purchase made within 30 days) or a promotional financing offer on qualifying store purchases. Specific bonus terms and store restrictions apply and are subject to change annually.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive returns, unusual spending patterns inconsistent with typical store purchases, late payments, defaulting on any Synchrony-issued account, suspected fraud, or rapid application for multiple Synchrony cards.

Cliff Effect Rules: Synchrony store cards generally do not have complex 'card family' rules that impact benefits across different card products. Each Insight Credit Card operates independently, with benefits tied solely to its specific store program. There are no known 'cliff effects' related to holding multiple Synchrony store cards beyond potential credit limit reductions if overall exposure becomes too high.

Special Events: Anticipate special promotions during major retail events such as seasonal sales (Spring, Summer, Fall, Winter clearances), loyalty member exclusive events, specific brand launch promotions, and flash sales tied to the 'Insight' store's marketing calendar.

Holiday Promos: Expect enhanced promotional offers and financing options during key shopping holidays including Black Friday/Cyber Monday, Christmas/New Year's, Memorial Day, Labor Day, and other national sales events relevant to the 'Insight' store.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Easy access to financing for business purchases from Insight; streamlines procurement process; offers flexible payment terms for technology investments.

Top Negative:
Limited use outside of Insight.com; potential for high interest rates if balances are carried; customer service experiences with Synchrony can be inconsistent; credit limits may be restrictive for larger businesses.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Chase Ink Business Preferred
  • American Express Business Gold Card
  • Dell Business Credit

Card Value Score: 80.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Oct 27, 2023 00:00