Newegg Store Credit Card

Synchrony Pending

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4

Benefits

1

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: newegg-store-credit-card

Issuer: Synchrony

Card Name: Newegg Store Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:50

Last Scraped: Feb 07, 2026 06:31

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Newegg Purchases 5x Cash Back Purchases made on Newegg.com No Cap
Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 4 Total
PENDING
Convenience 1
Online Account Management
N/A

Cardholders can conveniently manage their Newegg Store Credit Card account online, including viewing statements, making payments, and updating personal information through Synchrony's portal.

Financial 1
No Annual Fee
$0 Annual Fee

There is no annual fee charged for maintaining the Newegg Store Credit Card account.

Shopping 2
Special Financing Offers
Varies by promotion (e.g., No interest if paid in full within X months on purchases of $199 or more)

Cardholders can receive special promotional financing on qualifying purchases of $199 or more made with the Newegg Store Credit Card. Specific terms (e.g., deferred interest, no interest if paid in full) apply and are disclosed at the time of purchase.

Exclusive Cardholder Offers
Varies by offer

Cardholders gain access to exclusive promotions, discounts, and special deals specifically for Newegg Store Credit Card members.

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%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18 or 24 months. Minimum monthly payments required. See account agreement for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria. Applications are typically processed online via Newegg.com or Synchrony's portal. Primary benefits include promotional financing offers (e.g., 0% APR for 6, 12, or 18 months on qualifying Newegg purchases over a specified amount, subject to deferred interest), exclusive cardholder discounts, and early access to sales events. There is no traditional sign-up bonus with a minimum spend requirement.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for a traditional sign-up bonus; promotional financing applies to specific purchases at the time of transaction.

Shutdown Risk Triggers: Manufactured spending (especially if involving gift cards or reselling), high cumulative credit limits across Synchrony accounts, sudden and unusual spending patterns inconsistent with typical Newegg purchases, missed payments, suspected fraudulent activity, bankruptcy filings, or significant changes in credit profile.

Cliff Effect Rules: Not applicable. Store cards generally do not have 'card family' or 'once per lifetime' rules for sign-up bonuses or benefits that would trigger a cliff effect. Benefits are tied to the specific card and its use at Newegg.

Special Events: Newegg's major sales events such as Fantastech, Black Friday in July, Newegg Anniversary Sale, specific brand launch promotions (e.g., new CPUs, GPUs), and seasonal tech sales.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, New Year's Sales, Memorial Day, Labor Day, and Back-to-School periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval process, helpful for financing large Newegg purchases, no annual fee, exclusive cardholder offers.

Top Negative:
High standard APR, limited use only at Newegg, customer service issues with Synchrony Bank, potential for high interest if promotional financing terms are not met.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature Card
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Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0