The Pfaff Card

Synchrony Pending

Back Apply Now

2

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: pfaff-credit-card

Issuer: Synchrony

Card Name: The Pfaff Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:28

Last Scraped: Feb 17, 2026 07:30

Apply URL: Visit

Home URL: Visit

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) 2 Total
PENDING
Shopping 2
Special Financing Offers
Varies by promotional offer

Access to promotional financing offers on eligible purchases made with the Pfaff credit card, allowing cardholders to defer interest or make interest-free payments for a specified period, subject to credit approval. Specific terms and durations vary by offer and are available at the time of purchase.

Convenient Monthly Payments
Varies based on purchase amount and financing terms

The ability to make manageable monthly payments on purchases made with the Pfaff credit card, providing flexibility to pay for items over time rather than in a single lump sum, helping customers manage their budget.

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: $41.00
Balance Transfer: None
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

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a valid U.S. mailing address. All applications are subject to Synchrony Bank's credit approval process. Bonus Rule: For 2026, new cardholders are anticipated to receive an introductory offer, typically a percentage off their first Pfaff purchase or special promotional financing (e.g., 0% APR for 6-12 months) on qualifying Pfaff purchases. Specific offers are subject to change annually. Application Rules: Synchrony generally evaluates applications based on overall creditworthiness and existing credit exposure with the bank, rather than strict application velocity rules for store cards. While there isn't a hard limit on applications, excessive recent credit inquiries or new accounts across all lenders may impact approval.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional bonus; promotional offers are typically immediate or tied to specific purchase events.

Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, excessive returns at Pfaff, suspicious or fraudulent purchase patterns, late payments or defaults on any Synchrony account, opening too many Synchrony accounts in a short period, or significant changes in credit profile.

Cliff Effect Rules: Not applicable; Synchrony store cards are generally treated as independent products without complex 'card family' or 'once per lifetime' bonus restrictions across different store brands.

Special Events: Exclusive cardholder discounts during Pfaff sales events, early access to new Pfaff product launches, special financing offers for large Pfaff purchases (e.g., new sewing machines), and birthday rewards.

Holiday Promos: Significant promotional financing and discount offers are common during major U.S. holidays such as Black Friday/Cyber Monday (November-December), Memorial Day (May), Labor Day (September), and specific Pfaff brand anniversary sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Access to special financing promotions, convenient payment options for large purchases, exclusive cardholder benefits at Pfaff.

Top Negative:
High standard APR, limited utility outside Pfaff stores, occasional customer service complaints.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Discover it® Secured Credit Card
  • Capital One Platinum Secured Credit Card
  • Amazon Store Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $60.00

Approval Probability: 82.0%

Version Control
PENDING

Version ID: v1.0