1
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGQuarterly Rotating: No
Benefits & Protections (Detailed) 1 Total
PENDINGShopping 1
Promotional Financing Offers
Varies by promotion and purchase amountCardholders receive access to special promotional financing offers on qualifying purchases made at Jerome's Furniture. These offers may include deferred interest or interest-free periods for a specified duration, allowing customers to pay for their furniture over time.
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 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Jerome's Furniture Credit Card, issued by Synchrony, primarily offers special promotional financing on qualifying purchases made at Jerome's Furniture. Eligibility requirements include being at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and meeting Synchrony's creditworthiness criteria, which involves a credit check and sufficient verifiable income. While traditional sign-up bonuses are rare, the main 'bonus' is deferred interest promotional financing (e.g., 0% APR for 6, 12, 18, 24, 36, 48, or 60 months) on purchases meeting specific minimum spend thresholds. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the original purchase date.
Max Cards Per Issuer: 5
Min Spend Interval: N/A for traditional bonus; promotional financing terms vary by offer and apply to qualifying purchases at the time of transaction.
Cliff Effect Rules: Not applicable; store-specific credit cards typically do not have 'card families' with inter-card restrictions or 'cliff effects' related to other Synchrony products.
Special Events: Black Friday Sales, Memorial Day Sales, Labor Day Sales, President's Day Sales, Anniversary Sales, Grand Opening events, specific seasonal promotions (e.g., Summer Savings, Winter Clearance).
Holiday Promos: New Year's, Valentine's Day, Easter, Mother's Day, Father's Day, Independence Day, Halloween, Thanksgiving, Christmas.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.9 / 5.0
Top Positive:
Offers promotional financing (deferred interest) for large home furnishing purchases, making big-ticket items more affordable upfront. Relatively easy approval process for many applicants.
Top Negative:
High APR after promotional period, reports of poor customer service, difficulty with credit limit increases, and potential for high interest if balance isn't paid in full by the due date.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Wayfair Credit Card
- Ashley Furniture HomeStore Credit Card
- PayPal Credit
Card Value Score: 60.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2023-10-01