LL Flooring Credit Card
Basic Information
Program ID: lumber-liquidators-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 18:10
Last Scraped: 01/15/2026 18:12
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $75.00
Spending Requirement: $750.00
Time Period: 90 days
Bonus 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.
Rewards Program
Reward Type: None
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus 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.
Point Value Estimate: 0.0000 cents/point
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.
Transfer Partners: N/A - This card does not offer travel rewards or transfer partners.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Multiple
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 5
Minimum 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.
Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, excessive recent credit applications (especially with Synchrony), missed payments or significant derogatory marks on credit report, suspicious or fraudulent activity, abuse of promotional financing terms (e.g., repeatedly making minimum payments and defaulting after promo periods). Manufactured spending is generally not a concern for store cards.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Promotional financing offers are very useful for large purchases; relatively easy approval process.
Top Negative Feedback:
High standard APR and deferred interest can be costly if not paid off in time; customer service can be a challenge.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023