5
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 5 Total
PENDINGShopping 5
Special Financing Offer: 0% APR for 12 Months
0% APR for 12 months on purchases of $999+No interest if paid in full within 12 months on purchases of $999 or more made with your Kane's Furniture Credit Card. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months.
Special Financing Offer: 0% APR for 24 Months
0% APR for 24 months on purchases of $1999+No interest if paid in full within 24 months on purchases of $1999 or more made with your Kane's Furniture Credit Card. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 24 months.
Special Financing Offer: 0% APR for 36 Months
0% APR for 36 months on purchases of $2999+No interest if paid in full within 36 months on purchases of $2999 or more made with your Kane's Furniture Credit Card. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 36 months.
Special Financing Offer: 0% APR for 48 Months
0% APR for 48 months on purchases of $3999+No interest if paid in full within 48 months on purchases of $3999 or more made with your Kane's Furniture Credit Card. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 48 months.
Special Financing Offer: 0% APR for 60 Months
0% APR for 60 months on purchases of $4999+No interest if paid in full within 60 months on purchases of $4999 or more made with your Kane's Furniture Credit Card. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 60 months.
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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Kanes Furniture Credit Card, issued by Synchrony, primarily offers promotional financing rather than traditional sign-up bonuses. Eligibility requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria, typically requiring fair to good credit. The main 'bonus' is often 0% APR promotional financing for a specified period on qualifying purchases, with specific minimum purchase amounts usually required. Deferred interest is common, meaning if the promotional balance is not paid in full by the end of the period, interest from the original purchase date will be charged.
Max Cards Per Issuer: 5
Min Spend Interval: Not applicable for traditional sign-up bonuses. Promotional financing terms apply to qualifying purchases made within the advertised offer period.
Cliff Effect Rules: The primary 'cliff effect' relates to promotional financing. Failure to pay the promotional balance in full by the end of the promotional period will typically result in all deferred interest being charged from the original purchase date. Missing a minimum payment can also terminate promotional financing and revert the balance to the standard APR.
Special Events: Kanes Furniture often runs special promotions during seasonal sales (e.g., Spring, Summer, Fall, Winter collections), anniversary sales, clearance events, and exclusive in-store promotions, which may include enhanced financing offers or additional discounts for cardholders.
Holiday Promos: Key promotional periods often align with major U.S. holidays and sales events, including New Year's Day, President's Day, Memorial Day, Independence Day (4th of July), Labor Day, Black Friday/Cyber Monday (Thanksgiving week), and Christmas/End-of-Year sales.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Offers special financing promotions (e.g., 0% APR for extended periods) making large furniture purchases more manageable; relatively easy approval process for building credit.
Top Negative:
High standard APR after promotional periods; deferred interest can be costly if the balance is not paid in full by the deadline; limited utility as it can only be used at Kane's Furniture.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Discover it Cash Back
- Capital One QuicksilverOne
- Lowe's Advantage Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $30.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0