La-Z-Boy Furniture Galleries Credit Card
Basic Information
Program ID: lazboy-furniture-galleries-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:04
Last Scraped: 01/15/2026 12:06
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: | N/A |
| Cash Advance: | N/A |
| 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%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Based on the information available on the La-Z-Boy financing page (as of January 2026), there is no traditional sign-up bonus (e.g., points, miles, or cash back) offered for new cardholders of the La-Z-Boy Furniture Galleries Credit Card. The card primarily features promotional financing options such as 0% APR for qualifying purchases.
Rewards Program
Reward Type: Store Points
Base Reward Rate: 0.00%
Bonus Reward Rate: 1.00%
Bonus Categories: 1x La-Z-Boy Furniture Galleries purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing, but may be forfeited upon account closure or inactivity.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Application Eligibility: Applicants must be 18 years or older (19 in AL and NE), a US resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a verifiable income source. Approval is subject to creditworthiness as determined by Synchrony Bank. Bonus/Promotional Rules: The La-Z-Boy Furniture Galleries Credit Card primarily offers promotional financing options rather than traditional sign-up bonuses. Common promotions include 0% APR for a specified period (e.g., 6, 12, 24, 36, 48, or 60 months) on qualifying purchases, often with minimum spend requirements. Important: If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date (deferred interest). Specific promotional offers vary by time and purchase amount.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional sign-up bonuses. Promotional financing offers have specific purchase amount thresholds and repayment periods (e.g., 6, 12, 24+ months) to qualify for deferred interest, not a spend interval for a bonus.
Shutdown Risk Triggers: High credit utilization across Synchrony accounts, missed or late payments, excessive credit applications (credit seeking behavior), suspected abuse of promotional financing terms, bankruptcy filings, or significant derogatory marks on credit reports. While less common for store cards, manufactured spending or unusual transaction patterns could also trigger review.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Excellent for financing large furniture purchases with 0% APR promotions. Helps manage budget for home upgrades. Good for building credit history for specific retail needs.
Top Negative Feedback:
High standard APR after promotional period. Deferred interest can be a trap if not paid off in time. Limited use outside La-Z-Boy stores. Customer service can be challenging.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Synchrony HOME Credit Card
- Capital One SavorOne Cash Rewards Credit Card
- Wells Fargo Active Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0