Lamps Plus Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

32%

APR From
Basic Information
PENDING

Program ID: lamps-plus-store-card

Issuer: Synchrony

Card Name: Lamps Plus Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:15

Last Scraped: Feb 17, 2026 05:16

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides assistance to eligible active duty Servicemembers and their dependents, offering benefits and protections under the Military Lending Act (MLA) and/or the Servicemembers Civil Relief Act (SCRA).

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 3 Total
PENDING
Financial 1
No Annual Fee
No annual fee

There is no annual fee associated with the Lamps Plus Credit Card.

Shopping 2
Special Financing - 6 Months No Interest
6 months no interest on single-receipt purchases of $250 or more

No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within 6 months. If you do not, interest will be charged on the promotional purchase from the purchase date. Minimum monthly payments are required.

Special Financing - 12 Months No Interest
12 months no interest on single-receipt purchases of $500 or more

No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within 12 months. If you do not, interest will be charged on the promotional purchase from the purchase date. Minimum monthly payments are required.

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
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
PENDING
Standard APR

Purchase APR: 31.99% - 31.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6, 12, 18 or 24 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
TransUnion, Experian
Issuer Rules & Policies
PENDING

Rules: The Lamps Plus Store Card, issued by Synchrony, primarily offers special financing options (e.g., 0% APR for 6, 12, or 18 months on qualifying purchases over a certain amount, typically $299-$999+). It may also provide exclusive cardholder discounts, early access to sales, or birthday offers. There is no traditional sign-up bonus with a spend requirement. Eligibility requirements for 2026 include being 18 years or older, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria, which involves a credit check and sufficient income.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for traditional sign-up bonus; primary benefits (special financing, discounts) are ongoing or triggered by specific purchase amounts.

Shutdown Risk Triggers: Missed or late payments, exceeding credit limits, suspected fraudulent activity, significant changes in credit profile (e.g., bankruptcy, excessive new credit applications), defaulting on other Synchrony accounts, or unusual spending patterns (e.g., very large, infrequent purchases followed by long periods of inactivity).

Cliff Effect Rules: Not applicable. Store cards typically do not have 'card family' or 'cliff effect' rules that impact eligibility or benefits based on other cards from the same issuer.

Special Events: Lamps Plus specific sales events such as 'Annual Lighting Sale,' 'Home Decor Event,' 'Outdoor Living Sale,' 'Clearance Events,' and 'New Arrivals Promotions.' These often coincide with seasonal changes or product category focuses, offering additional discounts or financing terms.

Holiday Promos: Major retail holidays including Black Friday/Cyber Monday (late November), Christmas/New Year (December-January), Memorial Day (late May), 4th of July (early July), Labor Day (early September), and Presidents' Day (mid-February).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval process and beneficial for financing large purchases with promotional offers, especially for frequent Lamps Plus shoppers.

Top Negative:
High standard APR and potential for deferred interest charges if promotional terms are not met, coupled with reports of challenging customer service from Synchrony Bank.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Double Cash Card
  • Discover it Cash Back

Card Value Score: 65.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: January 2024