Lamps Plus Credit Card
Basic Information
Program ID: lamps-plus-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 18:06
Last Scraped: 01/15/2026 18:08
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Rewards Program
Reward Type: Special Financing
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus 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.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - No rewards are earned with this card, therefore no expiration policy for rewards applies.
Transfer Partners: N/A - This card does not offer transfer partners.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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.
Maximum Cards Per Issuer: 6
Minimum 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.
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, missed payments, excessive returns, suspected fraudulent activity, sudden large purchases significantly outside normal spending patterns, or extended periods of account inactivity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.9 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0