14
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: roamans-mastercard
Issuer: Synchrony
Card Name: Roaman's Mastercard
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Roaman's Purchases | 2x | Points | Purchases made at Roaman's | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere Mastercard is accepted | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 14 Total
PENDINGFinancial 1
No Annual Fee
$0There is no annual fee charged for maintaining the Roaman's Mastercard account.
Lifestyle 1
Exclusive Cardholder Events
N/ACardholders may receive invitations to exclusive events.
Purchase Protection 3
Extended Warranty
Up to 1 additional yearExtends the original manufacturer's or store brand warranty for up to one additional year on eligible purchases.
Price Protection
Up to $250 per claim, maximum 4 claims per 12-month periodIf an eligible item purchased with the Mastercard is advertised for less within 60 days of purchase, cardholders may be reimbursed for the price difference.
Satisfaction Guarantee
Up to $250 per claim, maximum 4 claims per 12-month periodIf a cardholder is dissatisfied with an eligible product purchased with the Mastercard within 60 days of purchase and the store will not accept a return, they may be reimbursed.
Security 3
Online Account Management
N/ACardholders can conveniently manage their account online, including viewing statements, making payments, and updating personal information.
Mastercard ID Theft Protection
N/AProvides identity theft resolution services, including monitoring, alerts, and expert assistance to help restore identity.
Zero Liability Protection
N/ACardholders are not responsible for unauthorized transactions made with their Mastercard.
Shopping 3
Exclusive Savings and Special Offers
Varies by offerCardholders receive access to exclusive savings and special promotional offers at Roaman's.
Special Birthday Offer
VariesCardholders receive a special offer or discount during their birthday month.
Advance Sale Notifications
N/ACardholders receive early notification of upcoming sales and promotions at Roaman's.
Travel 1
Mastercard Global Service
N/AProvides emergency assistance services 24/7, including lost/stolen card reporting, emergency card replacement, and emergency cash advance.
Travel Insurance 2
Travel Accident Insurance
Up to $250,000Provides coverage for accidental death or dismemberment when traveling on a common carrier, provided the fare was purchased with the Mastercard.
Rental Car Collision Damage Waiver
Secondary coverageProvides secondary coverage for physical damage and theft of most rental vehicles when the eligible rental is paid for with the Mastercard and the cardholder declines the rental company's collision damage waiver.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: New cardholders typically receive a percentage off their first Roaman's purchase (e.g., 20% off). Eligibility requires applicants to be 18+ (19+ in AL/NE), a US resident with a valid SSN/ITIN, and meet Synchrony's credit underwriting standards, which include income and credit history review. Approval is subject to Synchrony's assessment of creditworthiness.
Max Cards Per Issuer: 5
Min Spend Interval: First purchase or 30 days
Cliff Effect Rules: Synchrony manages total credit exposure across all its issued cards. Approvals for new cards or credit limit increases may be denied if an applicant's cumulative credit limit with Synchrony is deemed too high relative to their income and credit profile, regardless of individual card performance. This can also lead to proactive credit limit reductions on existing accounts.
Special Events: Exclusive cardholder discounts, double points days, birthday offers, and early access to sales events specific to Roaman's and its affiliated brands (e.g., Woman Within, Jessica London).
Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas, Mother's Day, Memorial Day, and other seasonal sales events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy approval for fair credit, good rewards for frequent Roaman's shoppers, exclusive discounts and free shipping offers.
Top Negative:
High interest rates, customer service can be challenging, rewards are primarily store-specific, limited value for general spending.
Approval Experience: 78.0 / 100
Recommended Alternatives
- Capital One Platinum Mastercard
- Discover it Secured Credit Card
- Amazon Store Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: 03/2024