The Lennox credit card

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: lennox-credit-card

Issuer: Synchrony

Card Name: The Lennox credit card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:21

Last Scraped: Feb 17, 2026 05:23

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING
Benefits & Protections (Detailed) 2 Total
PENDING
Financing 2
Special Financing Offers
Varies by promotion

Access to special promotional financing offers for Lennox products and services, allowing customers to manage large purchases with deferred interest or low APR periods.

Convenient Monthly Payments
Flexible payment terms

Ability to make manageable monthly payments on financed Lennox purchases, helping to budget for home comfort needs.

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
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
Not specified
Not specified
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The Lennox credit card, issued by Synchrony, primarily offers promotional financing on qualifying Lennox purchases rather than traditional points or cashback bonuses. Eligibility requirements for 2026 are expected to remain consistent with Synchrony's standard criteria: applicants must be a U.S. resident, 18 years or older (19 in AL/NE), possess a valid Social Security Number or ITIN, and demonstrate a good to excellent credit history (typically a FICO score of 670+ is preferred, though approvals can occur with lower scores depending on overall credit profile) and sufficient income to support the credit line. Promotional financing offers (e.g., 0% APR for X months) are typically tied to specific purchase amounts or product categories and are subject to change.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for traditional sign-up bonus; promotional financing applies at point of sale for qualifying purchases.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive credit seeking (numerous new accounts/inquiries in a short period), late payments or defaults on any Synchrony account, suspicious or fraudulent activity, or breach of cardholder agreement terms. Manufactured spending is generally not a relevant trigger for this type of specialized store card.

Cliff Effect Rules: No specific 'card family' cliff effect rules apply to the Lennox credit card. However, Synchrony's general underwriting policies will consider your total credit exposure across all Synchrony-issued cards. Opening too many Synchrony accounts or accumulating a very high cumulative credit limit across Synchrony cards may lead to denials for new applications, credit limit reductions on existing accounts, or account closures.

Special Events: Seasonal promotional financing offers aligned with HVAC purchase cycles (e.g., spring for AC replacement, fall for furnace upgrades). Exclusive discounts or rebates on Lennox equipment when purchased with the card during specific promotional periods. Special financing options for large installations or emergency repairs.

Holiday Promos: Promotions are primarily aligned with peak HVAC seasons (e.g., late spring/early summer for cooling needs, late fall/early winter for heating needs) rather than traditional retail holidays. Synchrony may also have general issuer-wide promotions, but Lennox-specific offers will be more impactful.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Enabled purchase of new HVAC system with manageable monthly payments; good promotional financing offers.

Top Negative:
High interest rates after promotional period; poor customer service; confusing billing for promotional offers.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Home Depot Consumer Credit Card
  • Wells Fargo Reflect Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0