QCard

Synchrony Pending

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6

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: qcard-credit-card

Issuer: Synchrony

Card Name: QCard

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:46

Last Scraped: Feb 17, 2026 07:48

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents, limiting the cost of consumer credit to an annual percentage rate of 36 percent, including fees and charges for most ancillary products and services.

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) 6 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The QCard does not charge an annual fee, allowing cardholders to enjoy its benefits without an recurring cost.

Lifestyle 1
Birthday Offer
Varies annually

Get a special offer or treat during your birthday month as a QCard holder, as a token of appreciation.

Shopping 4
Special Financing Offers
Varies by offer (e.g., 12-month, 18-month)

Access special financing promotions on qualifying purchases made with your QCard at QVC and HSN. These offers allow you to pay for larger purchases over time with deferred interest, provided the full balance is paid within the promotional period.

Easy Pay Installments
Interest-free monthly installments

Break up payments into interest-free monthly installments on most purchases made with your QCard at QVC and HSN, making shopping more flexible and affordable.

Exclusive Cardholder Offers
Varies by offer

Receive special promotions, discounts, and offers that are available only to QCard holders, providing additional savings and shopping opportunities.

QVC and HSN Shopping Access

Use your QCard to shop across both QVC and HSN platforms, providing expanded access to a wider range of products and brands.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Special Financing

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. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: Applicants must be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to creditworthiness, including credit history and income, though Synchrony store cards are often accessible to individuals with fair to good credit. Bonus Rules: Synchrony store cards typically do not offer traditional sign-up bonuses (e.g., spend X get Y points/cash). Instead, they commonly feature deferred interest promotional financing on qualifying purchases (e.g., 'No interest if paid in full within 6, 12, 18 months') or an initial discount on the first purchase. Specific promotional offers vary by partner retailer and are subject to change.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for traditional sign-up bonuses. Promotional financing offers apply to specific purchases and their terms are defined by the promotional period (e.g., 6, 12, 18 months). First-purchase discounts are typically applied immediately.

Shutdown Risk Triggers: High cumulative credit exposure across multiple Synchrony accounts relative to income; excessive credit seeking (numerous applications for Synchrony or other cards in a short period); defaulting on payments or high utilization across Synchrony accounts; suspicious activity or potential fraud; breach of terms and conditions (e.g., misrepresentation on application).

Cliff Effect Rules: Not applicable. Synchrony store cards generally operate independently. There are no known 'card family' rules where holding one card negatively impacts the benefits or approval of another Synchrony store card. Each application and account is evaluated on its own merits.

Special Events: Store-specific sales events (e.g., Black Friday, Cyber Monday, Memorial Day, Labor Day, President's Day sales), anniversary sales, and exclusive cardholder-only promotions.

Holiday Promos: Major holiday shopping seasons (e.g., Christmas/New Year, Valentine's Day, Mother's Day, Father's Day, Halloween) often feature special financing or discount offers.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.9 / 5.0

Top Positive:
Users frequently praise the ease of approval, access to special financing options like Easy Pay, and exclusive promotional discounts for QVC purchases.

Top Negative:
Common criticisms include a high Annual Percentage Rate (APR), reports of challenging customer service experiences, limited utility as it's only for QVC, and difficulties in securing credit limit increases.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Amazon Store Card (Synchrony)
  • PayPal Credit (Synchrony)
  • Capital One Platinum Secured

Card Value Score: 45.0 / 100

Est. Annual Rewards: $60.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Jan 01, 2024 00:00