Riccar Synchrony Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: riccar-credit-card

Issuer: Synchrony

Card Name: Riccar Synchrony Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:07

Last Scraped: Feb 17, 2026 08:08

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

Reward Type: Store Credit

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Purchases at Riccar stores and riccar.com

Quarterly Rotating: No

Expiration Policy: Riccar Rewards expire 12 months from the date they are issued.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of $5.00 (500 points). Rewards cannot be used for gift card purchases or prior purchases.

Benefits & Protections (Detailed) 3 Total
PENDING
Shopping 3
Special Financing Offer (6 Months)
6 months no interest on purchases $299+

No interest will be charged if the promotional purchase of $299 or more is paid in full within 6 months. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments are required. Subject to credit approval.

Special Financing Offer (12 Months)
12 months no interest on purchases $499+

No interest will be charged if the promotional purchase of $499 or more is paid in full within 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 are required. Subject to credit approval.

Special Financing Offer (18 Months)
18 months no interest on purchases $999+

No interest will be charged if the promotional purchase of $999 or more is paid in full within 18 months. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 18 months. Minimum monthly payments are required. Subject to credit approval.

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
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

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 6 or 12 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
Not specified
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: Applicants must be 18 years or older, a U.S. resident with a valid SSN or ITIN, and possess fair to good credit. Approval is subject to Synchrony's credit underwriting standards, and applicants should not have a history of recent bankruptcies or be in default on any existing Synchrony accounts. Bonus Rules: New cardholders may receive a one-time discount (e.g., 10% off first purchase up to $X) when using the card within 30 days of account opening. Special financing offers, such as 0% APR for a promotional period on qualifying purchases, are also common. All offers are subject to store-specific restrictions and terms.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking, high cumulative credit limit across all Synchrony accounts, sudden uncharacteristic spending patterns, defaulting on other Synchrony accounts, abuse of promotional offers, or suspected fraudulent activity.

Cliff Effect Rules: While Synchrony does not typically have 'card families' with shared bonus eligibility rules like some other issuers, your total credit exposure and number of active accounts with Synchrony will influence approval for new Synchrony products. High cumulative credit limits or too many open accounts may lead to denials or lower credit limits on new applications.

Special Events: Cardholder-exclusive sales events, double points days, early access to new product launches, and special financing promotions tied to specific store campaigns.

Holiday Promos: Black Friday/Cyber Monday (Nov-Dec), Christmas/Holiday Season (Nov-Dec), Back-to-School (Aug-Sep), Memorial Day, Labor Day, and 4th of July.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Easy to get approved, especially for those with fair credit. Useful for financing large purchases with promotional APR. Good for building credit if managed responsibly.

Top Negative:
High interest rates after promotional period. Poor customer service experience. Credit limit increases are difficult to obtain. Deferred interest can be tricky if not paid off in time.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Wells Fargo Active Cash Card
  • Chase Freedom Unlimited
  • Discover it® Cash Back

Card Value Score: 45.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0