Living Spaces Credit Card

Synchrony Pending

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7

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: living-spaces-credit-card

Issuer: Synchrony

Card Name: Living Spaces Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:33

Last Scraped: Feb 17, 2026 05:35

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers benefits under the Servicemembers Civil Relief Act (SCRA) for active duty Servicemembers, spouses, and dependents. Contact 1-866-893-7864 for details.

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) 7 Total
PENDING
Financing 7
Deferred Interest Promotional Financing (6 Months)
6 months no interest

No interest will be charged on the promotional purchase if you pay the full promotional balance within 6 months. Minimum monthly payments are required. Interest will be charged from the purchase date if the promotional balance is not paid in full.

Deferred Interest Promotional Financing (12 Months)
12 months no interest

No interest will be charged on the promotional purchase if you pay the full promotional balance within 12 months. Minimum monthly payments are required. Interest will be charged from the purchase date if the promotional balance is not paid in full.

Deferred Interest Promotional Financing (18 Months)
18 months no interest

No interest will be charged on the promotional purchase if you pay the full promotional balance within 18 months. Minimum monthly payments are required. Interest will be charged from the purchase date if the promotional balance is not paid in full.

Deferred Interest Promotional Financing (24 Months)
24 months no interest

No interest will be charged on the promotional purchase if you pay the full promotional balance within 24 months. Minimum monthly payments are required. Interest will be charged from the purchase date if the promotional balance is not paid in full.

Deferred Interest Promotional Financing (36 Months)
36 months no interest

No interest will be charged on the promotional purchase if you pay the full promotional balance within 36 months. Minimum monthly payments are required. Interest will be charged from the purchase date if the promotional balance is not paid in full.

Deferred Interest Promotional Financing (48 Months)
48 months no interest

No interest will be charged on the promotional purchase if you pay the full promotional balance within 48 months. Minimum monthly payments are required. Interest will be charged from the purchase date if the promotional balance is not paid in full.

Deferred Interest Promotional Financing (60 Months)
60 months no interest

No interest will be charged on the promotional purchase if you pay the full promotional balance within 60 months. Minimum monthly payments are required. Interest will be charged from the purchase date if the promotional balance is not paid in full.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No interest will be charged on the promo purchase if you pay the promo purchase amount in full within the promotional period. If you do not, interest will be charged on the promo purchase from the purchase date. The APR for Purchases is 29.99% Variable.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Eligibility (2026): Applicants must be 18 years or older (19 in AL/NE), a U.S. resident with a valid SSN or ITIN, and meet Synchrony's creditworthiness criteria. A fair to good credit score is typically required, though store cards can sometimes be approved with lower scores than general-purpose cards. Bonus/Promotional Offer (Example for 2026): New cardholders may receive special promotional financing offers, such as 0% APR for 12-24 months on qualifying purchases of $999 or more made within the first 30 days. Standard APR applies after the promotional period if the balance is not paid in full, often with deferred interest. Specific offers vary by promotional period and purchase amount and are subject to credit approval.

Max Cards Per Issuer: 5

Min Spend Interval: N/A (Promotional financing terms apply at point of sale for qualifying purchases, not a traditional bonus spend interval)

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, multiple recent applications for Synchrony cards, late payments or defaults on any Synchrony account, high utilization rates on Synchrony cards, suspicious or fraudulent activity, significant negative changes in credit profile (e.g., bankruptcy, charge-offs).

Cliff Effect Rules: Deferred Interest: The primary 'cliff effect' for this card is related to deferred interest promotional financing. If the promotional balance is not paid in full by the end of the promotional period, all accrued interest from the original purchase date may be retroactively applied to the account. Loss of Promotional Offers: Missing payments or defaulting on the account can result in the immediate termination of any ongoing promotional financing offers, with the remaining balance becoming subject to the standard APR.

Special Events: Exclusive Cardholder Previews (early access to sales), Anniversary Sales (special financing/discounts), Cardholder-Only Discounts (periodic exclusive offers), Bonus Financing Periods (extended 0% APR offers during peak seasons or for large purchases), New Product Launch Promotions.

Holiday Promos: New Year's Sales (January), President's Day Sales (February), Memorial Day Sales (May), 4th of July Sales (July), Labor Day Sales (September), Black Friday/Cyber Monday Sales (November), Christmas/Holiday Sales (December), End-of-Season Clearance (various times).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Excellent special financing offers for large furniture purchases. Easy approval process for fair credit.

Top Negative:
Frequent complaints about Synchrony Bank's customer service and high interest rates if promotional terms are missed.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One SavorOne Rewards for Good Credit
  • Discover it® Secured Credit Card
  • Wells Fargo Reflect® Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: 01/24