Lovesac Credit Card

Synchrony Pending

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8

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: lovesac-credit-card-v2

Issuer: Synchrony

Card Name: Lovesac Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:42

Last Scraped: Feb 17, 2026 05:43

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers eligible active duty service members, spouses, and dependents an interest rate reduction to 6% APR on balances incurred prior to active duty start date under SCRA.

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) 8 Total
PENDING
Financing 7
6-Month Special Financing
6 months no interest

No interest if paid in full within 6 months on qualifying Lovesac purchases made with your Lovesac Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required.

12-Month Special Financing
12 months no interest

No interest if paid in full within 12 months on qualifying Lovesac purchases made with your Lovesac Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required.

18-Month Special Financing
18 months no interest

No interest if paid in full within 18 months on qualifying Lovesac purchases made with your Lovesac Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required.

24-Month Special Financing
24 months no interest

No interest if paid in full within 24 months on qualifying Lovesac purchases made with your Lovesac Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required.

36-Month Special Financing
36 months no interest

No interest if paid in full within 36 months on qualifying Lovesac purchases made with your Lovesac Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required.

48-Month Special Financing
48 months no interest

No interest if paid in full within 48 months on qualifying Lovesac purchases made with your Lovesac Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required.

60-Month Special Financing
60 months no interest

No interest if paid in full within 60 months on qualifying Lovesac purchases made with your Lovesac Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required.

Shopping 1
Dedicated Credit Line

Access a dedicated credit line specifically for purchases at Lovesac, allowing for convenient financing of furniture and accessories.

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

Promo Duration: 60 months

⚠️ NO INTEREST IF PAID IN FULL WITHIN 6, 12, 18, 24, 36, 48, OR 60 MONTHS. 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.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 700
Good
Supported
Application Process
Available
Not specified
All three major bureaus
Issuer Rules & Policies
PENDING

Rules: Eligibility requires applicants to be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria (typically fair to good credit for store cards). The primary 'bonus' for this card is promotional financing offers, such as 0% APR for a specified period on qualifying purchases (e.g., 0% APR for 12 months on purchases of $999 or more). These offers are subject to specific terms and minimum purchase amounts. The card is exclusively for use at Lovesac stores and lovesac.com.

Max Cards Per Issuer: 4

Min Spend Interval: Not applicable for promotional financing offers; terms are tied to specific purchase amounts and promotional periods.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, defaulting on payments or repeated late payments, suspicious activity or fraud, abuse of promotional financing terms (e.g., not making minimum payments, repeated large purchases without intent to pay off), excessive credit seeking (numerous applications in a short period).

Cliff Effect Rules: Generally not applicable for store-specific credit cards, as they typically do not belong to complex 'card families' with bonus eligibility restrictions based on prior card ownership.

Special Events: Exclusive cardholder discounts, early access to sales, special financing promotions during seasonal events (e.g., Presidents' Day, Memorial Day, Labor Day, Black Friday).

Holiday Promos: Major retail holidays including Presidents' Day, Memorial Day, Labor Day, Black Friday, Cyber Monday, and the full December holiday shopping season.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Convenient special financing offers for large purchases; helps spread out payments for high-value items.

Top Negative:
High deferred interest rates if promotional period is missed; customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Synchrony HOME Credit Card
  • Amazon Store Card
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $250.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2024-01