0
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: None
Base Rate: 0x
Bonus Rate: 0x
Categories: N/A - The Lumber Liquidators (now LL Flooring) Credit Card, issued by Synchrony, primarily offers special financing promotions (e.g., deferred interest) on qualifying purchases made at LL Flooring. It does not feature a traditional points or cashback rewards program.
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: N/A - No traditional points or cashback rewards program. For deferred interest financing, interest accrues from the purchase date and will be charged if the promotional balance is not paid in full by the end of the promotional period.
Point Value: 0¢
Travel Portal Multiplier: 0x
Transfer Partners: N/A - This card does not offer travel rewards or transfer partners.
Redemption Penalties: N/A - No traditional rewards to redeem. The primary 'penalty' associated with this card relates to its deferred interest financing: if the promotional balance is not paid in full by the end of the promotional period, all accrued interest from the purchase date will be charged to the account.
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
Benefits Summary (Flags)
PENDINGExtended 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
PENDING$75
Cash BackRequirement: Spend $750 in 90 days
Timing: Discount applied at point of sale for qualifying first purchase, or as a statement credit within 1-2 billing cycles after the purchase posts.
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: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 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: 24 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Lumber Liquidators credit card, issued by Synchrony, primarily offers special promotional financing on qualifying purchases made at LL Flooring (formerly Lumber Liquidators). For 2026, typical offers are expected to include 0% APR for periods such as 6, 12, 18, or 24 months on purchases exceeding a specified minimum (e.g., $299, $499, or $999). These promotions usually feature deferred interest, meaning if the full promotional balance is not paid by the end of the period, interest will be charged from the original purchase date. Eligibility requirements include being 18 years or older (19 in AL and NE, 21 in PR), having a valid U.S. Social Security Number or ITIN, a U.S. mailing address, and a verifiable source of income. Applicants generally need a fair to good credit score (e.g., FICO 640+), though Synchrony may approve applicants with lower scores based on overall credit profile and debt-to-income ratio. While no explicit 'X applications in Y months' rule is published, excessive recent credit inquiries, especially with Synchrony, can impact approval.
Max Cards Per Issuer: 5
Min Spend Interval: Not applicable in the traditional sense. Promotional financing is applied at the point of sale for qualifying purchases; there is no separate 'spend X in Y months' requirement for a bonus.
Cliff Effect Rules: Synchrony store cards, including the Lumber Liquidators card, generally operate independently. There are no 'card family' rules or benefits that transfer between different Synchrony-issued store cards. Each card is evaluated and managed separately based on its specific terms and the cardholder's credit profile.
Special Events: Seasonal sales events at LL Flooring (e.g., Spring Sale, Fall Flooring Event), anniversary sales, specific product category promotions (e.g., 'Hardwood Sale,' 'Laminate Savings'), and in-store financing events offering enhanced promotional periods (e.g., 36 months 0% APR on large projects).
Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, New Year's Sales, Memorial Day, Labor Day, 4th of July sales, and Tax Season promotions (often tied to home improvement projects).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Promotional financing offers are very useful for large purchases; relatively easy approval process.
Top Negative:
High standard APR and deferred interest can be costly if not paid off in time; customer service can be a challenge.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Home Depot Consumer Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $25.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: October 2023