Lamps Plus Credit Card

Program ID: lamps-plus-credit-card

Issuer: Synchrony

Card Name: Lamps Plus Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 18:06

Last Scraped: Feb 05, 2026 13:13

Apply URL: Visit

Home URL: Visit

Reward Type: Special Financing

Base Rate: 0x

Bonus Rate: 0x

Categories: N/A - The Lamps Plus Credit Card primarily offers special financing promotions on purchases made at Lamps Plus. It does not feature a traditional points or cash back rewards program with ongoing earning rates or bonus categories.

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: N/A - No rewards are earned with this card, therefore no expiration policy for rewards applies.

Point Value: 0¢

Travel Portal Multiplier: 0x

Transfer Partners: N/A - This card does not offer transfer partners.

Redemption Penalties: N/A - No rewards are earned or redeemed with this card.

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

Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: Deferred Interest

Promo Duration: 24 months

Rules: The primary cardholder benefits for the Lamps Plus Credit Card are special financing offers (e.g., 0% APR for a specified period on qualifying purchases) rather than traditional points or cash back bonuses. Initial sign-up offers may include a percentage discount on the first purchase. Eligibility requirements for 2026 include being 18 years or older, a legal resident of the United States, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating a fair to good credit history.

Max Cards Per Issuer: 6

Min Spend Interval: N/A for traditional bonus spend; primary benefits are special financing promotions with varying terms (e.g., 6, 12, 18 months deferred interest) or immediate first-purchase discounts.

Cliff Effect Rules: Synchrony evaluates overall credit exposure across all accounts held with them. While there isn't a strict 'card family' rule like some other issuers, a high number of existing Synchrony accounts or a high total credit limit can impact approval for new cards or credit limit increases.

Special Events: Exclusive cardholder discounts, early access to sales, double points promotions (if a rewards program is introduced), and enhanced special financing offers during promotional periods.

Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Memorial Day, Labor Day, and 4th of July are common periods for enhanced financing offers and cardholder-exclusive discounts.

International Friendly: No

User Ratings

Average Rating: 2.9 / 5.0

Top Positive:
Special financing offers (0% APR for X months) are a major draw, allowing customers to purchase high-ticket items and pay over time. Relatively easy approval for those with fair credit. Occasional exclusive cardholder discounts and promotions.

Top Negative:
High deferred interest if the balance is not paid in full by the promotional period end. High standard APR (often 29.99%) after the promotional period. Some users report issues with Synchrony Bank's customer service. Limited use, as the card can only be used at Lamps Plus.

Approval Experience: 75.0 / 100

Recommended Alternatives

• Chase Freedom Unlimited
• Lowe's Advantage Card
• Wells Fargo Active Cash Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 85.0%

Version ID: v1.0