Newegg Store Credit Card
Basic Information
Program ID: newegg-store-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:50
Last Scraped: 01/15/2026 12:51
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| 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: 0.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Discount applied instantly at checkout on your first qualifying Newegg purchase.
Rewards Program
Reward Type: N/A - Primarily Special Financing
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - The Newegg Store Credit Card primarily offers special financing promotions on eligible Newegg.com purchases, rather than a traditional points or cashback rewards program. Any promotional cashback offers are typically limited-time and not standard.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - No traditional points or cashback rewards program. Special financing terms apply to specific purchases and promotions.
Transfer Partners: N/A - Not applicable to this store credit card.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Newegg Store Credit Card from Synchrony typically offers special financing promotions, such as 0% APR for 6-12 months on qualifying purchases over a specified minimum amount (e.g., $299+), or a small initial discount (e.g., $20-$50 off a first purchase of $100 or more). Eligibility requirements include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating a stable income and satisfactory credit history. Approval is subject to Synchrony Bank's credit underwriting standards, which may consider factors like credit score, debt-to-income ratio, and existing credit relationships.
Maximum Cards Per Issuer: 8
Minimum Spend Interval: Not applicable for the primary benefit (special financing offers), which apply to qualifying purchases immediately. If a small initial discount is offered, it typically applies to the first purchase without a specific time interval.
Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, defaulting on Synchrony or other credit obligations, prolonged account inactivity, suspected fraudulent activity, or abuse of financing terms (e.g., repeated large purchases without timely repayment or making minimum payments only on promotional balances).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Easy to apply for and get approved, especially for building credit. Useful for financing large Newegg purchases with special offers. No annual fee is a definite plus.
Top Negative Feedback:
High APR if promotional financing isn't paid off in time. Limited use outside of Newegg. Customer service can be difficult to deal with, and credit limits are often low.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Amazon Store Card
- PayPal Credit
- Discover it Secured
Card Value Score: 60.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 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: v1.0