6
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGProgram ID: morris-home-furnishings-credit-card
Issuer: Synchrony
Card Name: Morris Home Furnishings Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony offers benefits and protections under the Servicemembers Civil Relief Act (SCRA), including a 6% interest rate cap on certain credit obligations incurred prior to active duty service for eligible active duty service members.
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 6 Total
PENDINGShopping 6
6 Months Special Financing
6 MonthsNo interest will be charged on qualifying purchases of $499 or more if the promotional purchase amount is paid in full within 6 months. Minimum monthly payments are required. If the promotional purchase is not paid in full by the end of the promotional period, interest will be charged on the promo purchase from the purchase date.
12 Months Special Financing
12 MonthsNo interest will be charged on qualifying purchases of $999 or more if the promotional purchase amount is paid in full within 12 months. Minimum monthly payments are required. If the promotional purchase is not paid in full by the end of the promotional period, interest will be charged on the promo purchase from the purchase date.
24 Months Special Financing
24 MonthsNo interest will be charged on qualifying purchases of $1999 or more if the promotional purchase amount is paid in full within 24 months. Minimum monthly payments are required. If the promotional purchase is not paid in full by the end of the promotional period, interest will be charged on the promo purchase from the purchase date.
36 Months Special Financing
36 MonthsNo interest will be charged on qualifying purchases of $2999 or more if the promotional purchase amount is paid in full within 36 months. Minimum monthly payments are required. If the promotional purchase is not paid in full by the end of the promotional period, interest will be charged on the promo purchase from the purchase date.
48 Months Special Financing
48 MonthsNo interest will be charged on qualifying purchases of $3999 or more if the promotional purchase amount is paid in full within 48 months. Minimum monthly payments are required. If the promotional purchase is not paid in full by the end of the promotional period, interest will be charged on the promo purchase from the purchase date.
60 Months Special Financing
60 MonthsNo interest will be charged on qualifying purchases of $4999 or more if the promotional purchase amount is paid in full within 60 months. Minimum monthly payments are required. If the promotional purchase is not paid in full by the end of the promotional period, interest will be charged on the promo purchase from the purchase date.
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
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
PENDINGStandard APR
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Application Eligibility (Projected for 2026): Applicants must be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a verifiable U.S. mailing address. Approval is subject to creditworthiness, income verification, and Synchrony's internal underwriting criteria, which may include a review of recent credit inquiries and existing Synchrony accounts. Bonus/Promotional Rules (Projected for 2026): The primary 'bonus' for the Morris Home Furnishings credit card is promotional financing offers, typically 0% APR for a specified period (e.g., 6, 12, 24, 36, 48, or 60 months) on qualifying purchases made at Morris Home Furnishings. These offers usually require a minimum purchase amount and are subject to deferred interest, meaning if the promotional balance is not paid in full by the end of the period, interest is charged from the original purchase date. Specific offers vary by promotion and are subject to store-specific restrictions and Synchrony's terms.
Max Cards Per Issuer: 7
Min Spend Interval: Not applicable for a traditional sign-up bonus. Promotional financing applies at the point of sale for qualifying purchases at Morris Home Furnishings.
Cliff Effect Rules: Synchrony does not operate with 'card families' that have specific bonus eligibility restrictions. However, Synchrony maintains an internal aggregate credit limit and application sensitivity across all its issued cards. Approvals for new Synchrony cards (including store cards) become increasingly difficult if an individual has a high number of existing Synchrony accounts, a high total credit limit with Synchrony, or a recent history of multiple Synchrony applications, regardless of the specific card type. This acts as an overall issuer-level 'cliff' rather than a card-specific one.
Special Events: Projected for 2026: Seasonal sales events (e.g., Spring Home Event, Summer Savings, Fall Refresh), store anniversary sales, clearance/liquidation events, and special financing offers tied to new collection launches.
Holiday Promos: Projected for 2026: New Year's/President's Day (Jan-Feb), Memorial Day (May), Independence Day (July), Labor Day (Sept), Black Friday/Cyber Monday (Nov), and Christmas/Year-End Sales (Dec).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.5 / 5.0
Top Positive:
Promotional financing offers, easy application process, helpful for building credit.
Top Negative:
High interest rates, poor customer service, issues with deferred interest promotions, difficult account management.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Citi Custom Cash Card
- Wells Fargo Active Cash Card
- Lowe's Advantage Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0