P.C. Richard & Son Credit Card
Basic Information
Program ID: pc-richard-son-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 11:58
Last Scraped: 01/15/2026 12:00
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: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| 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: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Based on current information (as of January 2026, simulating current offers), the P.C. Richard & Son Credit Card primarily offers promotional financing (e.g., deferred interest) on qualifying purchases rather than a traditional points, miles, or cash back sign-up bonus. These financing terms are typically applied instantly at the point of purchase upon credit approval and meeting purchase requirements, rather than a separate bonus posting after a spending period.
Rewards Program
Reward Type: Store Credit / Special Financing
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.05%
Bonus Categories: PC Richard & Son Purchases (promotional offers)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards (if any) typically expire after 12-24 months of account inactivity or a fixed period from issuance. Specific terms apply to promotional offers.
Transfer Partners: None
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: Eligibility: Applicants must be 18 years or older (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony Bank's creditworthiness criteria. A credit check will be performed. Bonus/Promotional Rules: The primary 'bonus' for the P.C. Richard & Son credit card is access to special promotional financing offers, such as 0% APR for a specified period (e.g., 6, 12, 18, 24 months) on qualifying purchases that meet a minimum spend threshold. These offers are typically deferred interest promotions, meaning if the balance is not paid in full by the end of the promotional period, interest is charged from the purchase date. Specific offers vary and are announced by P.C. Richard & Son.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A for traditional bonus spend; promotional offers apply to qualifying purchases within a specific promotional period.
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, rapid application for multiple Synchrony credit products, high credit utilization across Synchrony accounts, defaulting on any Synchrony-issued credit account, suspicious or fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.5 / 5.0
Top Positive Feedback:
Excellent for financing large purchases at P.C. Richard & Son with promotional APRs; no annual fee.
Top Negative Feedback:
High standard APR after promotional period; deferred interest can be costly if not paid in full; limited use outside the store; mixed customer service experiences with Synchrony.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Best Buy Credit Card
- Wells Fargo Reflect Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $15.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0