Roaman's Credit Card

Synchrony Pending

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6

Benefits

0

Reward Categories

—

Max Reward

32%

APR From
Basic Information
PENDING

Program ID: roamans-store-card

Issuer: Synchrony

Card Name: Roaman's Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:13

Last Scraped: Feb 17, 2026 08:15

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank is committed to providing financial services to military customers in compliance with the Servicemembers Civil Relief Act (SCRA). Active duty Servicemembers, spouses, or dependents may be eligible for SCRA benefits.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 6 Total
PENDING
Account Management 1
Online Account Management

Cardholders can easily manage their Roaman's Credit Card account online.

Financial 1
No Annual Fee
No annual fee

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

Lifestyle 1
Birthday Offer
Varies

Cardholders receive a special offer during their birthday month.

Shopping 3
First Purchase Discount
20% discount

Cardholders receive a 20% discount on their first purchase when opening and using their Roaman's Credit Card.

Exclusive Savings Offers
Varies

Cardholders receive exclusive savings offers periodically throughout the year.

Free Shipping
Free shipping on orders $75+

Cardholders receive free standard shipping on orders of $75 or more when using their Roaman's Credit Card.

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
Balance Transfer: None
Cash Advance: None
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 31.99% - 31.99%

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.
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: For 2026, the Roaman's Store Card, issued by Synchrony Bank, will continue to target customers primarily for purchases at Roaman's and its affiliated brands (e.g., Woman Within, Jessica London, KingSize, BrylaneHome, OneStopPlus). Eligibility requirements include being at least 18 years of age (19 in AL and NE), possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a U.S. mailing address. Applicants are generally expected to have a fair to good credit score, though Synchrony's store card criteria can be more lenient than prime credit cards. Approval is subject to income verification and an assessment of the applicant's existing credit relationships and total credit exposure with Synchrony. The typical 'bonus rule' for this card is an immediate discount (e.g., 20% off) on the first purchase made upon account opening, rather than a traditional spend-based bonus.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional bonus spend; initial discounts are immediate upon first purchase.

Shutdown Risk Triggers: Common triggers for Synchrony include: high cumulative credit limit across multiple Synchrony accounts, missed payments or consistently high utilization on Synchrony cards, abuse of promotional financing offers (e.g., 0% APR), suspected fraudulent activity, or rapid succession of applications for new Synchrony credit products which may indicate increased risk.

Cliff Effect Rules: While not a traditional 'cliff effect' like premium travel cards, Synchrony may limit the total number of credit lines or total credit extended to an individual. Applying for too many Synchrony cards in a short period (e.g., more than 2-3 within 6-12 months) can lead to denials for subsequent applications due to perceived risk or high credit exposure, even if individual credit scores are good.

Special Events: Cardholders can anticipate exclusive benefits such as birthday discounts/offers, cardholder-only sales events (e.g., 'Friends & Family' sales), early access to new collections or promotions, and potential tiered loyalty benefits (e.g., free shipping, higher discounts) based on annual spend thresholds.

Holiday Promos: Expect enhanced promotions and special financing offers during major retail holidays including Black Friday, Cyber Monday, the entire Christmas/Holiday Season, Valentine's Day, Mother's Day, Father's Day, Memorial Day, Labor Day, and the 4th of July. Seasonal clearance events (Spring, Summer, Fall, Winter) will also feature cardholder-specific deals.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.1 / 5.0

Top Positive:
Easy approval for fair credit; good discounts and promotions for Roaman's purchases; helps build credit history.

Top Negative:
Very high APR; limited use outside of Roaman's; customer service can be difficult; low credit limits.

Approval Experience: 78.0 / 100

Recommended Alternatives
  • Synchrony Amazon Store Card
  • Capital One Platinum Credit Card
  • Discover it Secured Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $130.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: v1.0