Regency Furniture Credit Card

Synchrony Pending

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8

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: regency-furniture-showroom-credit-card

Issuer: Synchrony

Card Name: Regency Furniture Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:01

Last Scraped: Feb 17, 2026 08:03

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

Benefits & Protections (Detailed) 8 Total
PENDING
Financing 8
0% APR Promotional Financing
0% APR for 6 Months on $499+ purchases

Receive 0% APR for 6 months on qualifying purchases of $499 or more made with the Regency Furniture Showroom Credit Card. Subject to credit approval. Minimum monthly payments required. See store for full details and terms.

0% APR Promotional Financing
0% APR for 12 Months on $999+ purchases

Receive 0% APR for 12 months on qualifying purchases of $999 or more made with the Regency Furniture Showroom Credit Card. Subject to credit approval. Minimum monthly payments required. See store for full details and terms.

0% APR Promotional Financing
0% APR for 18 Months on $1999+ purchases

Receive 0% APR for 18 months on qualifying purchases of $1999 or more made with the Regency Furniture Showroom Credit Card. Subject to credit approval. Minimum monthly payments required. See store for full details and terms.

0% APR Promotional Financing
0% APR for 24 Months on $2999+ purchases

Receive 0% APR for 24 months on qualifying purchases of $2999 or more made with the Regency Furniture Showroom Credit Card. Subject to credit approval. Minimum monthly payments required. See store for full details and terms.

0% APR Promotional Financing
0% APR for 36 Months on $3999+ purchases

Receive 0% APR for 36 months on qualifying purchases of $3999 or more made with the Regency Furniture Showroom Credit Card. Subject to credit approval. Minimum monthly payments required. See store for full details and terms.

0% APR Promotional Financing
0% APR for 48 Months on $4999+ purchases

Receive 0% APR for 48 months on qualifying purchases of $4999 or more made with the Regency Furniture Showroom Credit Card. Subject to credit approval. Minimum monthly payments required. See store for full details and terms.

0% APR Promotional Financing
0% APR for 60 Months on $5999+ purchases

Receive 0% APR for 60 months on qualifying purchases of $5999 or more made with the Regency Furniture Showroom Credit Card. Subject to credit approval. Minimum monthly payments required. See store for full details and terms.

Convenient Monthly Payments

Access convenient monthly payment options for your furniture purchases with the Regency Furniture Showroom Credit Card, helping you manage your 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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: None
Cash Advance: 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

⚠️ If you do not pay the purchase balance in full by the end of the promotional period, interest will be imposed from the date of purchase at the APR for Purchases shown above.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Eligibility (2026): Applicants must be 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), a valid government-issued photo identification, and a verifiable street address in the USA (P.O. Boxes are not accepted). All applications are subject to Synchrony's credit approval process. Bonus/Promotional Rules (2026): The primary benefit typically involves promotional financing offers, such as 0% APR for a specified period (e.g., 6, 12, 18, 24, 36, or 48 months) on qualifying purchases, often with minimum purchase requirements. Deferred interest usually applies if the promotional balance is not paid in full by the end of the promotional period. Occasional first-purchase discounts (e.g., a fixed dollar amount off a minimum purchase) may also be offered. This card is store-specific and can only be used at Regency Furniture Showroom locations or their authorized online store.

Max Cards Per Issuer: 6

Min Spend Interval: N/A for traditional bonus spend; promotional financing terms apply to qualifying purchases made during specific promotional periods.

Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, excessive credit seeking (multiple applications in a short period), failure to make minimum payments, abuse of promotional financing terms, suspicious activity inconsistent with typical furniture purchases, rapid opening and closing of multiple Synchrony accounts.

Cliff Effect Rules: Synchrony does not typically enforce 'cliff effect' rules based on card family or bonus eligibility from other cards in the same way as some major issuers. However, overall credit exposure, the total number of open Synchrony accounts, and recent credit inquiries are significant factors in new application approvals and potential account management decisions.

Special Events: Common special events include seasonal sales (e.g., Spring Home Event, Summer Savings, Fall Refresh), anniversary sales, clearance events, and 'No Interest If Paid In Full' promotions tied to specific product categories or purchase thresholds.

Holiday Promos: Key promotional periods often align with major holidays such as Memorial Day, 4th of July, Labor Day, Black Friday/Cyber Monday, Christmas, and New Year's, featuring enhanced financing offers or special discounts.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process for furniture purchases; offers flexible deferred interest financing options; useful for large one-time purchases without immediate payment.

Top Negative:
High APR if promotional period is missed; customer service can be difficult; limited utility outside of the store; potential for unexpected interest charges.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Discover it Secured Credit Card
  • Wells Fargo Reflect Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $350.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0