Roaman's Credit Card

Synchrony Pending

Back Apply Now

4

Benefits

0

Reward Categories

—

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: roamans-credit-card

Issuer: Synchrony

Card Name: Roaman's Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:08

Last Scraped: Feb 17, 2026 08:11

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
Financial 1
No Annual Fee
$0

The Roaman's Credit Card does not charge an annual fee for card membership.

Security 1
Online Account Management
N/A

Cardholders can easily manage their Roaman's Credit Card account online, including viewing statements, making payments, and updating personal information.

Shopping 2
Special Financing Offers
Varies by offer

Cardmembers may be eligible for special financing offers on qualifying purchases made with the Roaman's Credit Card. Specific terms and conditions apply to each offer.

Exclusive Cardmember Offers
Varies by offer

Cardmembers receive access to exclusive discounts, promotions, and special offers available only to Roaman's Credit Card holders.

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
Penalty APR: 29.99%
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: 32.24% - 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.
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: The Roaman's Credit Card, issued by Synchrony, primarily offers store-specific benefits rather than traditional sign-up bonuses. Eligibility requirements for 2026 are expected to remain consistent with Synchrony's standard criteria: applicants must be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness standards. While often accessible to those with fair credit, approval is not guaranteed. Benefits typically include an initial discount on the first purchase (e.g., 20% off), ongoing cardholder-exclusive discounts, special financing offers on qualifying purchases (e.g., 0% APR for X months), and participation in a loyalty program specific to Roaman's and its sister brands under FullBeauty Brands.

Max Cards Per Issuer: 6

Min Spend Interval: N/A for traditional sign-up bonuses; immediate for first purchase discounts or tied to ongoing promotional periods.

Shutdown Risk Triggers: Excessive credit applications with Synchrony within a short period, high cumulative credit limit across multiple Synchrony accounts, missed payments or delinquency, suspected fraudulent activity, abuse of promotional financing terms, or rapid account cycling (e.g., 'bust out' behavior).

Cliff Effect Rules: No explicit 'cliff effect' rules like those found in premium travel card ecosystems (e.g., Chase 5/24). However, Synchrony maintains internal limits on total credit exposure per customer, which may implicitly limit the number of store cards approved regardless of individual program eligibility. Approval for one Synchrony store card does not guarantee approval for others if the cumulative credit limit is deemed too high.

Special Events: Exclusive cardholder discounts (e.g., extra % off on specific days), double/triple points events, special financing offers on large purchases, early access to sales, and birthday rewards.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, Memorial Day, Labor Day, 4th of July, and seasonal clearance events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval for building credit; good for exclusive discounts and promotions at Roaman's; helps establish credit history.

Top Negative:
Very high Annual Percentage Rate (APR); limited use only at Roaman's; customer service can be inconsistent; frequent promotional emails.

Approval Experience: 85.0 / 100

Recommended Alternatives
  • Lane Bryant Credit Card (Synchrony)
  • Discover it Secured Credit Card
  • Capital One Platinum Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0