3
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 3 Total
PENDINGFinancial 1
No Annual Fee
No annual feeThe credit card does not charge an annual fee for card membership, allowing cardholders to use the card without recurring costs.
Financing 1
Special Financing Offers
Varies by promotionAccess to promotional financing options, such as deferred interest or 0% APR for a specified period, on eligible Rogers & Hollands purchases made with the credit card. Specific terms and durations vary by promotion.
Security 1
Zero Fraud Liability
100% protectionCardholders are protected against unauthorized charges made with their Rogers & Hollands credit card. They will not be held responsible for fraudulent transactions.
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 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $30.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Rogers & Hollands Credit Card, issued by Synchrony, is primarily designed for purchases at Rogers & Hollands stores and their online platforms. **Application Eligibility (2026):** Applicants must be at least 18 years of age (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a verifiable income source. A credit check will be performed, and approval is subject to Synchrony's credit underwriting standards, which typically favor applicants with fair to good credit, though store cards can sometimes be approved with lower scores. Applicants should not have a recent history of bankruptcy or severe delinquencies. **Bonus Rule (Typical for Store Cards):** New cardholders may receive an initial discount on their first purchase (e.g., 10-20% off) or special financing offers (e.g., 0% APR for 6-12 months on qualifying purchases, with deferred interest if not paid in full). Specific bonus offers are subject to change and will be detailed at the time of application.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony generally does not impose strict 'card family' or 'lifetime' bonus rules similar to other major issuers. Eligibility for the Rogers & Hollands Credit Card is assessed independently, though a high number of existing Synchrony accounts or a high total credit exposure with Synchrony may influence approval decisions. Each card application is evaluated on its own merits and the applicant's overall credit profile.
Special Events: Exclusive in-store discounts, early access to sales events, special financing promotions (e.g., 0% APR for extended periods on specific purchases), birthday rewards, and loyalty program benefits tied to Rogers & Hollands.
Holiday Promos: Major retail holidays such as Valentine's Day, Mother's Day, Father's Day, Black Friday, Cyber Monday, Christmas, and New Year's. Also, specific seasonal sales events unique to Rogers & Hollands.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy application process; helpful for financing large purchases at Rogers & Hollands; special promotional offers and discounts for loyal customers.
Top Negative:
High APR after promotional period; limited use outside the store; customer service issues with Synchrony; deferred interest can be confusing and costly if not paid in full.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Discover it Secured Credit Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 40.0 / 100
Est. Annual Rewards: $15.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0