1
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 1 Total
PENDINGShopping 1
Special Financing Offers
Varies by promotion; see store for details.Cardholders may be eligible for special financing promotions on qualifying purchases made at PianoWorks. Specific terms, such as promotional periods and interest rates, are subject to credit approval and available at the store.
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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Intro APR Offers
Promo Financing: Special financing
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Bonus: Receive 10% off your first Pianoworks purchase made within 30 days of account opening, up to a maximum discount of $100. Eligibility Requirements: Applicants must be 18 years or older, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), maintain a valid U.S. mailing address, and meet Synchrony Bank's creditworthiness criteria (typically fair to good credit). Approval is also subject to Synchrony's internal policies regarding existing account relationships and overall credit exposure, including not having applied for a Synchrony card too recently (e.g., within 30-90 days) or having too many active Synchrony accounts.
Max Cards Per Issuer: 4
Min Spend Interval: Immediate (for first purchase discount)
Cliff Effect Rules: Synchrony Bank evaluates total credit exposure across all Synchrony-issued accounts. Approvals for new cards or credit limit increases may be denied if the cumulative credit limit across all your Synchrony accounts is deemed too high relative to your income or credit profile, even if individual accounts are in good standing. This means having multiple Synchrony cards can impact future approvals and credit limit increases.
Special Events: Exclusive cardholder sales events, early access to new Pianoworks products, birthday discounts, and special financing offers on large purchases (e.g., 0% APR for X months on purchases over $Y).
Holiday Promos: Black Friday/Cyber Monday (November), Christmas/Holiday Season (December), Back-to-School (August/September), Mother's Day/Father's Day (May/June), and various seasonal sales (e.g., Spring Sale, Summer Clearance).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Easy approval process for financing large purchases at PianoWorks; special financing offers are very useful for managing payments.
Top Negative:
High APR after promotional period; limited utility outside of PianoWorks; deferred interest can be a pitfall if not paid in full.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Capital One Platinum Secured Card
- Wells Fargo Reflect Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $15.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v2023-03-01
Last Updated: Mar 01, 2023 00:00