Levin Furniture & Mattress Credit Card

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: levin-furniture-credit-card

Issuer: Synchrony

Card Name: Levin Furniture & Mattress Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:25

Last Scraped: Feb 17, 2026 05:26

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with the Military Lending Act (MLA), offering protections to active duty service members and their dependents. For more details, visit the Consumer Financial Protection Bureau.

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) 2 Total
PENDING
Lifestyle 1
Online Account Management

Cardholders can conveniently manage their Levin Furniture credit card account online through Synchrony Bank's portal. This includes viewing statements, making payments, and updating personal information.

Shopping 1
Special Financing Offers
Varies by promotion

Cardholders can access promotional financing options, such as deferred interest or 0% APR for a specified period, on qualifying purchases made at Levin Furniture. Specific offers and eligibility criteria vary and are subject to credit approval.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: None
Cash Advance: None
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18, 24, 36, 48, or 60 months. Minimum monthly payments required. If you do not pay the promotional purchase in full by the end of the promotional period, interest will be imposed from the date of purchase at the standard APR for purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility Requirements: Applicants must be at least 18 years old, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a U.S. mailing address. Approval is subject to creditworthiness, with Synchrony evaluating credit history and ability to pay. Bonus/Promotional Rules: The primary 'bonus' for the Levin Furniture credit card typically involves promotional financing offers, such as 0% APR for a specified duration (e.g., 6, 12, 24, 36 months) on qualifying purchases, often with a minimum purchase amount. These offers usually feature deferred interest, meaning if the promotional balance is not paid in full by the end of the period, interest is retroactively charged from the original purchase date. Occasional discounts (e.g., a percentage off the first purchase) or special financing for specific product categories may also be offered during promotional events.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable. Promotional financing offers are applied to specific purchases within a defined promotional period, rather than requiring a cumulative spend to unlock a separate bonus.

Shutdown Risk Triggers: Missed payments or defaulting on promotional financing terms, high credit utilization across Synchrony accounts or overall, suspected fraudulent activity or excessive returns, opening too many Synchrony accounts in a short period (application velocity), bankruptcy, or significant derogatory marks on credit report, defaulting on other Synchrony-issued credit products.

Cliff Effect Rules: Not applicable. Store-specific credit cards generally do not have 'card family' rules or 'cliff effects' similar to premium travel cards from major issuers. Each store card is typically an independent product.

Special Events: Seasonal Sales (e.g., Spring, Summer, Fall), Holiday Sales (e.g., Memorial Day, Labor Day, Black Friday, Cyber Monday, New Year's), Anniversary Sales for Levin Furniture, Grand opening events for new store locations, Special financing events tied to specific product categories (e.g., mattress sales, living room sets).

Holiday Promos: New Year's Day (January), President's Day (February), Memorial Day (May), Independence Day (July), Labor Day (September), Columbus Day/Indigenous Peoples' Day (October), Veterans Day (November), Black Friday/Cyber Monday (November), Christmas/End-of-Year Sales (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Access to special financing offers for large purchases, convenient payment method for furniture, no annual fee.

Top Negative:
Very high deferred interest if promotional balance is not paid in full, extremely high standard APR (29.99%), limited use outside Levin Furniture, potential for customer service issues with Synchrony Bank.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One SavorOne Cash Rewards Credit Card
  • Wells Fargo Reflect Card

Card Value Score: 40.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0