Lovesac Credit Card

Synchrony Pending

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Benefits

0

Reward Categories

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Max Reward

28%

APR From
Basic Information
PENDING

Program ID: lovesac-credit-card

Issuer: Synchrony

Card Name: Lovesac Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:47

Last Scraped: Feb 05, 2026 13:09

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with SCRA, offering eligible active duty servicemembers, spouses, and dependents an interest rate reduction to 6% APR on pre-service obligations.

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING

Reward Type: N/A (Primarily Financing)

Base Rate: 0x

Bonus Rate: 0x

Categories: N/A (Primarily Financing)

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: N/A (No traditional points program)

Point Value: 0¢

Travel Portal Multiplier: 0x

Transfer Partners: N/A (No transfer partners)

Redemption Penalties: N/A (No traditional points program)

Benefits & Protections (Detailed)
No Card Benefits Available

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

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

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus
PENDING

$100

Cash Back

Requirement: Spend $1,000 in 90 days

Timing: Statement credit typically posts to the account within 1-2 billing cycles after the spending requirement is met.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: N/A
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 27.99% - 29.99%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: Deferred Interest

Promo Duration: 12 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
670 - 800
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The LoveSac Credit Card, issued by Synchrony, primarily offers special financing options for LoveSac purchases rather than traditional points or cashback bonuses. Eligibility requirements for 2026 typically include being a U.S. resident, at least 18 years of age, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a good to excellent credit history (FICO score generally 670+). Applicants should not be in default on any existing Synchrony accounts. Application can be done online or in-store, often with instant decisioning. Promotional financing usually involves deferred interest (e.g., 0% APR for 6, 12, 18, or 24 months on qualifying purchases over a specified minimum, such as $999 or $1999). It is crucial to pay the full promotional balance by the end of the period, otherwise, all accrued interest from the original purchase date will be charged.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional bonus; promotional financing offers typically require a minimum purchase amount for a specific deferred interest period (e.g., $999 for 12 months 0% APR).

Shutdown Risk Triggers: High cumulative credit limit across Synchrony products, missed payments, going over limit, defaulting on any Synchrony account, excessive returns, suspected fraudulent activity, or rapid accumulation of multiple Synchrony accounts within a short period (application velocity).

Cliff Effect Rules: Not applicable; the LoveSac Credit Card is a standalone store card and does not belong to a 'card family' with shared bonus rules or restrictions that would trigger a 'cliff effect'.

Special Events: Exclusive cardholder discounts during specific LoveSac sales events, early access to new product launches, special financing offers tied to LoveSac promotions (e.g., 'Sac-toberfest' sales, 'Black Friday' previews), and potential birthday rewards or anniversary offers.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season (Nov-Dec), Memorial Day, Labor Day, 4th of July, President's Day, and other major retail sales events throughout the year.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Flexible financing options for large purchases; helps manage budget for furniture.

Top Negative:
High interest rates after promotional period; limited use outside of Lovesac; customer service can be slow.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Wayfair Credit Card
  • Amazon Store Card
  • Home Depot Consumer Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v2024-02