Rheem credit card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: rheem-credit-card

Issuer: Synchrony

Card Name: Rheem credit card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:05

Last Scraped: Feb 17, 2026 08:07

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) 3 Total
PENDING
Account Management 1
Online Account Management

Manage your Rheem credit card account online, including viewing statements, making payments, and accessing account details.

Financial Management 1
Convenient Monthly Payments

Ability to make convenient monthly payments on your Rheem credit card account.

Financing 1
Special Financing Options
Varies by promotion

Access to special financing options for Rheem purchases, allowing customers to manage payments over time. Specific terms and promotions may vary.

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

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Special Financing

Promo Duration: 60 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: New cardholders for the Rheem Credit Card (Synchrony) in 2026 are expected to qualify for special promotional financing offers, such as 0% APR for periods like 6, 12, 18, or 24 months on qualifying Rheem product or service purchases made at participating authorized dealers. These offers typically require a minimum purchase amount (e.g., $299 or more) and are subject to deferred interest if the promotional balance is not paid in full by the end of the promotional period. Eligibility requirements for application include being at least 18 years of age (19 in AL and NE), a U.S. resident with a valid Social Security Number or ITIN, and possessing a verifiable income source. Approval is contingent upon creditworthiness and Synchrony Bank's underwriting criteria, which involves a hard inquiry on the applicant's credit report. Prior credit history with Synchrony or other lenders will be considered during the application process.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for traditional spend-based bonuses. For promotional financing, the interval is the duration of the 0% APR offer (e.g., 6, 12, 18, or 24 months), during which the promotional balance must be paid in full to avoid deferred interest.

Shutdown Risk Triggers: Missed or late payments, exceeding credit limit, high credit utilization across Synchrony accounts, opening too many Synchrony accounts in a short period, high cumulative credit limit across all Synchrony products, inactivity on the card for an extended period (e.g., 12-24 months), suspected fraudulent activity, or significant adverse changes in credit profile (e.g., bankruptcy, multiple delinquencies).

Cliff Effect Rules: Synchrony store cards generally operate independently. There are no 'card family' rules or restrictions on applying for or holding multiple Synchrony store cards based on other Synchrony products, beyond overall creditworthiness and total credit exposure limits.

Special Events: Seasonal sales events (e.g., Spring/Fall HVAC promotions), specific product launch events, dealer-specific promotions, and anniversary sales.

Holiday Promos: Black Friday/Cyber Monday, Memorial Day, Labor Day, 4th of July, and year-end clearance events often feature enhanced promotional financing offers.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy application process at the point of sale; provides necessary financing for large HVAC purchases; offers promotional interest rates.

Top Negative:
High deferred interest rates if not paid in full; limited use outside of Rheem purchases; customer service can be challenging with Synchrony.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Chase Freedom Unlimited
  • Citi Custom Cash Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0