7
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: pc-richard-son-credit-card
Issuer: Synchrony
Card Name: P.C. Richard & Son Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony Bank provides benefits and protections to eligible Servicemembers and their dependents under the Servicemembers Civil Relief Act (SCRA), including an interest rate reduction to 6% on accounts opened prior to active duty start date.
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGQuarterly Rotating: No
Benefits & Protections (Detailed) 7 Total
PENDINGShopping 7
6-Month Special Financing
6 monthsNo interest if paid in full within 6 months on qualifying purchases made with the P.C. Richard & Son Credit Card. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
12-Month Special Financing
12 monthsNo interest if paid in full within 12 months on qualifying purchases made with the P.C. Richard & Son Credit Card. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
18-Month Special Financing
18 monthsNo interest if paid in full within 18 months on qualifying purchases made with the P.C. Richard & Son Credit Card. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
24-Month Special Financing
24 monthsNo interest if paid in full within 24 months on qualifying purchases made with the P.C. Richard & Son Credit Card. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
36-Month Special Financing
36 monthsNo interest if paid in full within 36 months on qualifying purchases made with the P.C. Richard & Son Credit Card. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
48-Month Special Financing
48 monthsNo interest if paid in full within 48 months on qualifying purchases made with the P.C. Richard & Son Credit Card. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
60-Month Special Financing
60 monthsNo interest if paid in full within 60 months on qualifying purchases made with the P.C. Richard & Son Credit Card. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The P.C. Richard & Son Credit Card, issued by Synchrony, primarily offers special financing promotions rather than traditional sign-up bonuses. Eligibility requirements typically include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and meeting Synchrony's creditworthiness criteria. While specific promotional offers vary, common benefits include deferred interest financing (e.g., 0% APR for X months) on qualifying purchases, often with a minimum spend threshold. Interest accrues from the purchase date and will be charged if the promotional balance is not paid in full by the end of the promotional period. There are no traditional cash-back or points bonuses associated with initial spend.
Max Cards Per Issuer: 5
Min Spend Interval: Not applicable; primary benefit is promotional financing, not a spend-based bonus.
Cliff Effect Rules: Not applicable; store cards typically do not have 'card family' or 'cliff effect' rules.
Special Events: Major sales events (e.g., Memorial Day, Labor Day, Black Friday, President's Day, Anniversary Sales), specific product category promotions (e.g., appliance sales, electronics deals), and exclusive cardholder-only offers.
Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, New Year's Sales, Back-to-School, and other national holiday sales.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy approval for financing large purchases; helpful for managing appliance and electronics costs with deferred interest options.
Top Negative:
High APR after promotional period; deferred interest can be costly if balance isn't paid in full; limited use only at P.C. Richard & Son; customer service can be challenging.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Best Buy Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2023-10-26