Raymour & Flanigan Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

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Max Reward

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APR From
Basic Information
PENDING

Program ID: raymour-flanigan-credit-card

Issuer: Synchrony

Card Name: Raymour & Flanigan Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 16:28

Last Scraped: Feb 17, 2026 16:30

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) 4 Total
PENDING
Account Management 2
Convenient Monthly Payments

Cardholders can make convenient monthly payments on their outstanding balance, facilitating easier budget management for purchases made at Raymour & Flanigan.

Online Account Management

Access to an easy-to-use online system provided by Synchrony for managing the credit card account, including viewing statements, making payments, and tracking account activity.

Cost Savings 1
No Annual Fee
No annual fee

The Raymour & Flanigan credit card does not charge an annual fee for card membership, saving cardholders recurring costs.

Financing 1
Special Financing Offers
Varies by promotion

Access to special financing offers available every day on qualifying purchases made with the Raymour & Flanigan credit card. These offers typically allow cardholders to defer interest or make payments over an extended period, subject to promotional terms and minimum purchase requirements.

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
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

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Special Financing

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 24, 36, 48 or 60 Months. Minimum monthly payments required. See store for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
No Issuer Rules Available

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User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Users appreciate the promotional financing options, especially 0% APR for large purchases, making big-ticket items more affordable.

Top Negative:
Common complaints include high standard APR after promotional periods, limited utility outside Raymour & Flanigan, and occasional issues with Synchrony customer service or credit limit management.

Approval Experience: 72.5 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Double Cash Card
  • Capital One Quicksilver Cash Rewards Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0