7
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 7 Total
PENDINGAccount Management 1
Online Account Management
Access and manage your La-Z-Boy Furniture Galleries credit card account online through Synchrony Bank's portal, including viewing statements, making payments, and updating personal information.
Shopping 6
Special Financing Offer (12 Months)
0% APR for 12 monthsNo interest if paid in full within 12 months on qualifying purchases made with your La-Z-Boy Furniture Galleries credit card. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.
Special Financing Offer (24 Months)
0% APR for 24 monthsNo interest if paid in full within 24 months on qualifying purchases made with your La-Z-Boy Furniture Galleries credit card. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.
Special Financing Offer (36 Months)
0% APR for 36 monthsNo interest if paid in full within 36 months on qualifying purchases made with your La-Z-Boy Furniture Galleries credit card. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.
Special Financing Offer (48 Months)
0% APR for 48 monthsNo interest if paid in full within 48 months on qualifying purchases made with your La-Z-Boy Furniture Galleries credit card. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.
Special Financing Offer (60 Months)
0% APR for 60 monthsNo interest if paid in full within 60 months on qualifying purchases made with your La-Z-Boy Furniture Galleries credit card. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.
Special Financing Offer (72 Months)
0% APR for 72 monthsNo interest if paid in full within 72 months on qualifying purchases made with your La-Z-Boy Furniture Galleries credit card. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.
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 |
| 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%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility Requirements: Applicants must be 18 years or older (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a verifiable income. Approval is subject to creditworthiness, with Synchrony often approving a wider range of credit scores for store cards compared to general-purpose credit cards. Bonus/Promotional Rules: The card primarily offers special promotional financing options, such as 0% APR for a specified period (e.g., 6, 12, 18, 24, 36, 48, or 60 months) on qualifying purchases, typically above a minimum spend threshold. These promotions usually feature deferred interest, meaning if the balance is not paid in full by the end of the promotional period, interest is charged from the original purchase date. Specific offers vary by purchase amount and promotional period.
Max Cards Per Issuer: 7
Min Spend Interval: Not applicable for a traditional sign-up bonus. Promotional financing offers require meeting a specific purchase amount (e.g., '$999 or more') to qualify for the special APR period, with no set 'interval' for meeting this spend beyond the purchase itself.
Cliff Effect Rules: Not applicable. The La-Z-Boy credit card is a standalone store-specific financing program and does not belong to a broader 'card family' with shared application restrictions or bonus eligibility rules.
Special Events: La-Z-Boy typically offers enhanced promotional financing (e.g., longer 0% APR periods, lower minimum spend for financing) during major sales events such as: President's Day Sales, Memorial Day Sales, Labor Day Sales, Anniversary Sales, New Product Launches, Clearance Events.
Holiday Promos: Expect special financing and discounts during: Black Friday / Cyber Monday (late November), Christmas / Year-End Sales (December), New Year's Sales (January), Mother's Day / Father's Day (May/June).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Excellent for financing large furniture purchases with promotional 0% APR offers. Easy application process and quick approval for in-store purchases.
Top Negative:
High regular APR after promotional period, risk of deferred interest if balance isn't paid in full. Limited use outside of La-Z-Boy stores.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Synchrony HOME Credit Card
- Wells Fargo Active Cash Card
- Capital One Quicksilver Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0