QCard

Synchrony Pending

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8

Benefits

0

Reward Categories

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Max Reward

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APR From
Basic Information
PENDING

Program ID: qvc-credit-card

Issuer: Synchrony

Card Name: QCard

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:50

Last Scraped: Feb 17, 2026 07:52

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

Quarterly Rotating: No

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 8 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The QCard has no annual fee, allowing cardholders to enjoy benefits without an annual cost.

Lifestyle 1
QVC Insider Access

Get the inside scoop on new products, special offers, and more as a QCard cardholder, providing early access to information.

Rewards 2
Automatic Enrollment in QVC Rewards Program

QCard cardholders are automatically enrolled in the free QVC Rewards program, allowing them to earn points on purchases.

Earn 2X QVC Rewards Points
2X points per dollar

QCard cardholders automatically earn 2X points on all QVC and HSN purchases made with their QCard, accelerating their rewards earnings.

Shopping 4
Special Financing Offers
Varies by offer

Cardholders can enjoy special financing offers on qualifying purchases made with the QCard, allowing for deferred interest or reduced payment plans.

Exclusive Savings Events
Varies by event

Access to exclusive savings events available only to QCard cardholders, providing opportunities for special discounts and promotions.

Birthday Offer
Varies by offer

Receive a special offer during your birthday month as a QCard cardholder.

Easy Returns

QCard cardholders benefit from easy returns on all QVC purchases. (This is a general QVC policy highlighted as a QCard perk).

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

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older, a U.S. resident with a valid Social Security Number or ITIN, and meet Synchrony Bank's creditworthiness criteria. Bonus Rules: New cardholders typically receive a one-time discount on their first QVC purchase (e.g., 10-20% off). Ongoing benefits include special financing offers on qualifying purchases, exclusive cardholder promotions, and deferred interest options. These offers are subject to specific terms and minimum purchase requirements.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for typical sign-up bonus (first purchase discount is immediate); specific promotional offers may have varying spend periods (e.g., 30-90 days) or minimum purchase requirements for special financing.

Shutdown Risk Triggers: Manufactured spending (less common for store cards but a general Synchrony trigger), excessive returns or abnormal spending patterns inconsistent with typical QVC purchases, high cumulative credit limit across multiple Synchrony accounts leading to overexposure, late payments or defaults on any Synchrony-issued credit product, application velocity (opening too many Synchrony accounts in a short timeframe), suspected fraudulent activity.

Cliff Effect Rules: Not applicable. Store cards like the QVC Credit Card typically do not have 'cliff effect' rules related to card families or bonus eligibility restrictions based on holding other QVC-branded cards. Bonuses are generally per individual card account.

Special Events: QVC Today's Special Value (TSV) promotions, QVC's Anniversary Sale, Black Friday/Cyber Monday, specific brand launch events, and seasonal shopping events.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Mother's Day, Father's Day, Valentine's Day, Memorial Day, Labor Day, and other major retail holidays.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Users appreciate the special financing and Easy Pay options, making large QVC purchases more manageable. Exclusive discounts and promotions are also a plus for frequent QVC shoppers.

Top Negative:
Common complaints include high APR, difficulties with Synchrony Bank customer service, and the card's limited utility outside of QVC purchases. Some users also report issues with credit limit increases.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • HSN Credit Card
  • Target RedCard
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0