LL Flooring Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: ll-flooring-credit-card

Issuer: Synchrony

Card Name: LL Flooring Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:35

Last Scraped: Feb 17, 2026 05:37

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) 3 Total
PENDING
Account Management 1
Online Account Management

Cardholders can conveniently manage their LL Flooring Credit Card account online through Synchrony's portal, allowing them to view statements, make payments, and update personal information.

Financing 1
Access to Special Financing
Varies by promotion

Cardholders gain access to special promotional financing options for qualifying purchases made at LL Flooring. Specific financing terms, such as interest rates, promotional periods, and minimum purchase requirements, are subject to current offers and credit approval at the time of purchase.

Security 1
Zero Fraud Liability
Full protection

Cardholders are protected against unauthorized purchases made with their LL Flooring Credit Card. Synchrony Bank's Zero Fraud Liability policy ensures cardholders are not responsible for fraudulent charges.

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
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

Promo Duration: 60 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Eligibility (2026): Applicants must be 18 years or older (19 in AL/NE), a US resident with a valid SSN or ITIN, and meet Synchrony's creditworthiness criteria, which includes a review of credit history, income, and existing debt. Approval is subject to Synchrony's internal underwriting standards. Bonus/Promotional Rules (2026): The card primarily offers promotional financing options for qualifying purchases at LL Flooring. Typical offers include 0% APR for a specified period (e.g., 6, 12, 18, 24 months) on purchases meeting a minimum spend threshold. These are generally deferred interest promotions, meaning if the balance is not paid in full by the end of the promotional period, interest is charged from the original purchase date. Specific promotional terms vary and are announced by LL Flooring.

Max Cards Per Issuer: 5

Min Spend Interval: N/A - Promotional financing offers are tied to specific purchases, not a general spend bonus.

Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, rapid application for multiple Synchrony cards, prolonged account inactivity, missed payments, abuse of promotional financing terms (e.g., repeated large purchases with no intent to pay off before deferred interest kicks in), or significant changes in credit profile.

Cliff Effect Rules: Synchrony store cards generally operate independently. There are no known 'card family' or 'once per lifetime' rules specific to the LL Flooring card that would impact eligibility for other Synchrony store cards. Approval for one Synchrony card does not guarantee approval for another, as each application is evaluated individually based on creditworthiness and overall Synchrony exposure.

Special Events: LL Flooring often runs special financing promotions during major sales events, product launches (e.g., new flooring collections), or specific seasonal campaigns. Cardholders may receive exclusive early access or enhanced financing terms during these periods. Examples include 'Spring Flooring Sales,' 'Fall Renovation Events,' or 'Anniversary Sales.'

Holiday Promos: Key promotional periods typically align with major retail holidays: Black Friday/Cyber Monday (late Nov), Christmas/New Year (Dec-Jan), Memorial Day (May), Labor Day (Sept), and potentially specific home improvement seasons like Spring (March-April) and Fall (Sept-Oct).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval process, beneficial promotional financing for large home improvement purchases, helps manage upfront costs for flooring projects.

Top Negative:
High deferred interest if balance not paid in full by promotion end, high standard APR after promotional period, challenging customer service experiences, limited utility outside of LL Flooring.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Home Depot Consumer Credit Card
  • Chase Freedom Unlimited (for 0% intro APR)

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2023-03-15