Synchrony Pending

Back Apply Now

1

Benefits

0

Reward Categories

—

Max Reward

—

APR From
Basic Information
PENDING

Program ID: liberty-pumps-credit-card

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:27

Last Scraped: Feb 17, 2026 05:28

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 0.01x

Bonus Rate: 0.05x

Categories: Liberty Pumps purchases

Quarterly Rotating: No

Expiration Policy: Rewards expire 12 months from the date they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards are issued as statement credits or certificates and cannot be redeemed for cash.

Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing Offers
Varies by promotion

Access to special financing promotions on eligible Liberty Pumps purchases, subject to credit approval. Specific offers and terms may vary; see store for details.

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: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers

Promo Financing: Special Financing

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 Months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility Requirements: Applicants must be 18 years of age or older (19 in Alabama and Nebraska), possess a valid U.S. Social Security Number or ITIN, and be a U.S. resident. Credit approval is required, with Synchrony typically considering fair to good credit profiles for store cards. Application Rules: Applications are primarily processed online or in-store, often providing instant credit decisions. Applicants must provide personal and financial information for credit assessment. Bonus Rule (2026 Projection): New cardholders are anticipated to receive a one-time discount on their first purchase (e.g., 10% off up to $100) when made within 30 days of account opening. Additionally, special promotional financing offers, such as 0% APR for 6-12 months on qualifying purchases over a specified amount (e.g., $299), are frequently available.

Max Cards Per Issuer: 7

Min Spend Interval: N/A (traditional sign-up bonuses are rare; promotional offers vary)

Shutdown Risk Triggers: Manufactured spending (if applicable), high cumulative credit limit across all Synchrony accounts, rapid application for multiple Synchrony cards within a short period, defaulting on any other Synchrony-issued accounts, suspicious transaction patterns, abuse of promotional financing terms (e.g., repeated opening of accounts solely for 0% APR offers without principal reduction), excessive credit seeking behavior.

Cliff Effect Rules: Synchrony does not have widely published 'cliff effect' rules similar to major bank issuers (e.g., Chase 5/24, Amex 'once per lifetime'). Approvals are primarily based on an individual's current credit profile, recent credit inquiries, and total credit exposure with Synchrony across all their private label and co-branded cards.

Special Events: Exclusive cardholder sales events, early access to new Liberty Pumps products, special financing promotions tied to specific product categories or purchase amounts, birthday discounts, anniversary rewards, and loyalty program tier benefits.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Memorial Day, Labor Day, 4th of July, Back-to-School, Valentine's Day, Mother's Day, Father's Day, and other seasonal sales events specific to home improvement or pump-related needs.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy financing for large purchases; Quick approval process; Special promotional offers.

Top Negative:
High standard APR after promotional period; Limited use to specific merchant; Customer service issues.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Home Depot Consumer Credit Card
  • Lowe's Advantage Card
  • General Purpose Cash Back Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $10.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0