1
Benefits0
Reward Categories—
Max Reward32.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGQuarterly Rotating: No
Benefits & Protections (Detailed) 1 Total
PENDINGFinancing 1
Special Financing Offers
Varies by offerCardholders may be eligible for special financing options on qualifying purchases made at LensCrafters. Specific terms and conditions, including promotional periods and interest rates, are subject to credit approval and may vary. Details on current offers are typically available from a store associate.
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 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 32.24% - 32.24%
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, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria (typically good to excellent credit for approval). Bonus Rules (2026 Hypothetical): New cardholders receive 10% off their first LensCrafters purchase made with the card within 30 days of account opening. Promotional Financing Offers: 0% APR for 6 months on purchases of $250 or more; 0% APR for 12 months on purchases of $500 or more; 0% APR for 18 months on purchases of $1000 or more. Note: Deferred interest applies if the promotional balance is not paid in full by the end of the promotional period.
Max Cards Per Issuer: 3
Min Spend Interval: N/A - Promotional financing and discounts are tied to specific purchase events or immediate application, not a traditional spend interval for a bonus.
Cliff Effect Rules: Synchrony does not have 'card family' bonus restrictions like some major issuers. However, your overall credit relationship with Synchrony (total credit extended, payment history across all Synchrony accounts) significantly impacts approval for new cards or credit limit increases. High existing credit limits or negative history with any Synchrony product can lead to denials for other Synchrony cards.
Special Events: Exclusive cardholder discounts (e.g., 20% off lenses, BOGO frames), special financing tiers for specific product launches (e.g., new designer collections), 'Friends & Family' sales with enhanced cardholder benefits, annual vision health events, and loyalty program accelerators.
Holiday Promos: Black Friday/Cyber Monday, Christmas/New Year, Back-to-School, Mother's Day/Father's Day, Valentine's Day, and seasonal sales (Spring/Summer/Fall collections).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Access to special financing offers for eyewear purchases, making expensive items more affordable over time.
Top Negative:
High standard APR, potential for deferred interest charges if balance isn't paid in full, and limited utility outside of LensCrafters.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Chase Freedom Unlimited
- Wells Fargo Reflect Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $15.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 01/24