Synchrony HOME Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: kittles-furniture-credit-card

Issuer: Synchrony

Card Name: Synchrony HOME Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:11

Last Scraped: Feb 17, 2026 05:13

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

The Kittle's Furniture Credit Card does not charge an annual fee for card membership.

Lifestyle 1
Online Account Management
24/7 online access

Secure online access to manage your Kittle's Furniture Credit Card account, including viewing statements, making payments, and updating personal information.

Shopping 3
Special Financing Offers
Varies by promotion

Access to promotional financing options on eligible purchases made at Kittle's Furniture, allowing for deferred interest or reduced APR periods.

Convenient Monthly Payments
Flexible payment options

Ability to make manageable monthly payments on purchases, helping to budget for furniture acquisitions.

Exclusive Cardholder Promotions
Varies by promotion

Eligibility for special discounts, sales, and promotional offers available exclusively to Kittle's Furniture Credit Card holders.

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

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
Penalty APR: 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
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Kittle's Furniture Credit Card, issued by Synchrony, primarily offers special financing promotions rather than traditional sign-up bonuses. For 2026, eligibility requirements are expected to include: being a U.S. resident aged 18 or older, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), demonstrating a stable income, and having a credit score typically in the good to excellent range (generally 670+ FICO, though some approvals may occur with lower scores depending on overall credit profile and existing Synchrony relationships). Applicants should not be in active bankruptcy. Promotional financing offers, such as 0% APR for a specified period, are generally contingent on meeting a minimum purchase amount and making timely payments. Failure to pay off the promotional balance in full by the end of the specified period typically results in deferred interest being charged from the original purchase date.

Max Cards Per Issuer: 7

Min Spend Interval: Typically 6 to 60 months, corresponding to the duration of promotional financing offers (e.g., 0% APR for X months) rather than a traditional spend-to-earn bonus interval.

Shutdown Risk Triggers: Manufactured spending (though highly unlikely for a furniture store card), high cumulative credit limit across all Synchrony accounts, excessive credit seeking (numerous applications in a short period), high utilization across Synchrony accounts, defaulting on any Synchrony-issued card, suspicious transaction patterns (e.g., rapid large purchases followed by returns without legitimate reason), or misrepresentation on the application.

Cliff Effect Rules: For store-specific cards like Kittle's, traditional 'cliff effect' rules (e.g., card family restrictions on bonuses or eligibility) are generally not applicable. However, Synchrony actively manages total credit exposure across all accounts it issues to an individual. Approvals for new Synchrony cards or credit limit increases may be impacted by the cumulative credit extended, payment history, and overall risk assessment across your entire Synchrony portfolio.

Special Events: Expect enhanced promotional financing offers and exclusive discounts during major sales events such as President's Day, Memorial Day, Labor Day, Black Friday, Cyber Monday, and year-end clearance events. These often include extended 0% APR periods or additional percentage-off discounts when using the Kittle's card.

Holiday Promos: Key holiday promotional periods for furniture sales and associated card offers include: New Year's Sales (January), President's Day (February), Spring Sales (March-April), Memorial Day (May), Independence Day (July), Labor Day (September), Columbus Day/Indigenous Peoples' Day (October), Black Friday/Cyber Monday (November), and Year-End/Holiday Clearance (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for financing large furniture purchases; offers special promotional interest rates.

Top Negative:
High deferred interest rates if promotional terms are not met; limited utility outside of Kittle's; customer service can be challenging.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Custom Cash Card
  • Wells Fargo Reflect Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v2023-10-01