Synchrony Pending

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1

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: outdoor-living-credit-card-v2

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:16

Last Scraped: Feb 17, 2026 07:17

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing Offers
Varies by promotional offer

Cardholders may be eligible for special financing promotions on qualifying purchases made with the Outdoor Living Credit Card at participating retailers. These offers are subject to credit approval and may include promotional APR periods or deferred interest options. Specific terms and conditions vary by promotion and retailer; cardholders should inquire at the store for current offer details.

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

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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
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater
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%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility requirements for the outdoor-living-credit-card-v2 include being 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing a good to excellent credit history as determined by Synchrony's underwriting standards. New cardholders are eligible for a $100 statement credit after spending $500 on eligible purchases within the first 3 months of account opening. This bonus is a one-time offer per account. Store-specific restrictions apply, meaning certain benefits, promotional financing, or bonus categories may only be valid at participating 'outdoor living' brand locations or their associated online platforms.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, rapid application for multiple Synchrony accounts, high cumulative credit limit across Synchrony cards, suspicious spending patterns inconsistent with typical store purchases, repeated abuse of promotional financing terms, or significant delinquencies on other credit accounts.

Cliff Effect Rules: Synchrony does not typically enforce 'card family' rules that restrict eligibility based on other cards within a specific brand family. However, overall credit exposure and the number of open Synchrony accounts are considered during application review, potentially impacting approval for additional cards.

Special Events: Anticipated special events include seasonal sales (e.g., Spring Refresh, Summer Outdoor Living Event, Fall Patio Clearance), exclusive cardholder-only discounts during specific weeks, and double points promotions on select 'outdoor living' categories.

Holiday Promos: Expected holiday promotional periods include Memorial Day, Fourth of July, Labor Day, Black Friday/Cyber Monday, and year-end clearance events, often featuring special financing offers or bonus rewards.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval process, beneficial promotional financing for large purchases, good for building credit.

Top Negative:
High deferred interest rates if balances are not paid in full, limited use outside specific brands, inconsistent customer service.

Approval Experience: 75.0 / 100

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

Card Value Score: 55.0 / 100

Est. Annual Rewards: $35.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0