Synchrony Pending

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Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: ntb-credit-card

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 06:57

Last Scraped: Feb 17, 2026 06:58

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed)
No Card Benefits Available

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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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Special Financing

Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The ntb-credit-card offers a choice between 15% off your first purchase (up to a $100 discount) made within 30 days of account opening, or 0% APR for 6 months on purchases over $299. Eligibility requires applicants to be 18 years or older, a U.S. resident with a valid SSN/ITIN, and possess fair to good credit (typically FICO 640+). Approval is subject to Synchrony's internal credit exposure limits. This card is exclusively for purchases at NTB locations and is not accepted elsewhere.

Max Cards Per Issuer: 6

Min Spend Interval: 30 days (for first purchase discount)

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, late payments or defaults on any Synchrony account, suspicious or fraudulent activity, rapid application for multiple Synchrony cards, reselling items purchased with the card.

Cliff Effect Rules: Synchrony primarily manages overall credit exposure across all cards issued to an individual. There are no specific 'card family' rules like major issuers; instead, hitting an internal credit limit threshold may lead to denials for new applications or credit limit reductions on existing accounts.

Special Events: Seasonal sales (e.g., Spring/Summer/Fall/Winter sales), store anniversary sales, category-specific promotions (e.g., tire sales, battery sales), cardholder-exclusive discount days.

Holiday Promos: Black Friday/Cyber Monday (November), Christmas/Holiday Season (December), New Year's Sales (January), Memorial Day (May), Independence Day (July), Labor Day (September).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.7 / 5.0

Top Positive:
Easy approval for specific store purchases, good promotional financing offers, exclusive discounts at partner retailers.

Top Negative:
High standard APR, limited reward value outside partner stores, occasional issues with customer service.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Double Cash Card
  • Capital One Quicksilver

Card Value Score: 65.0 / 100

Est. Annual Rewards: $180.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Oct 26, 2023 00:00