Rooms To Go Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: rooms-to-go-credit-card

Issuer: Synchrony

Card Name: Rooms To Go Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 11:47

Last Scraped: Feb 15, 2026 16:16

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) 3 Total
PENDING
Lifestyle 1
Online Account Management
N/A

Ability to securely manage your Rooms To Go credit card account online through Synchrony, including viewing statements, making payments, updating personal information, and enrolling in paperless statements.

Shopping 2
Special Financing Offers
Varies by promotion (e.g., up to 60 months no interest)

Access to special financing promotions on qualifying purchases made at Rooms To Go, including deferred interest options such as 'No Interest if Paid in Full within X Months' (e.g., 6, 12, 18, 24, 36, 48, or 60 months) and low monthly payment plans. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.

Exclusive Cardholder Offers
Varies by offer

Access to special promotions, discounts, or financing deals available exclusively to Rooms To Go credit cardholders.

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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If you do not pay the purchase amount in full by the end of the promotional period, interest will be imposed from the date of purchase at the Standard APR for Purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Rooms To Go Credit Card, issued by Synchrony, primarily offers special promotional financing on qualifying Rooms To Go purchases. Eligibility requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number or ITIN, and subject to Synchrony's credit approval process. The card is specifically designed for purchases at Rooms To Go stores and its online platform, with limited utility outside of the retailer. Standard promotional offers typically include 0% APR for a specified period (e.g., 6, 12, 24, 36, 48, or 60 months) on minimum qualifying purchases, with deferred interest often applying if the balance is not paid in full by the end of the promotional term. Specific promotional terms vary and are announced by Rooms To Go.

Max Cards Per Issuer: 5

Min Spend Interval: N/A (Promotional financing applies to qualifying purchases made within specific promotional periods, rather than a fixed spend interval for a bonus.)

Shutdown Risk Triggers: Excessive credit applications with Synchrony in a short period, high cumulative credit limits across multiple Synchrony accounts, consistent late payments or defaults on any Synchrony product, suspected abuse of promotional financing terms, or significant changes in credit profile indicating higher risk.

Cliff Effect Rules: The primary 'cliff effect' for this store card relates to promotional financing offers. If the full promotional balance is not paid by the end of the specified promotional period, deferred interest (calculated from the original purchase date) will typically be applied to the account. This can result in a significant increase in the total amount owed if the payment terms are not strictly adhered to.

Special Events: Cardholders may receive exclusive early access to sales events, special cardholder-only discounts on select merchandise, or enhanced promotional financing offers during specific store-wide promotions throughout the year. These events are typically communicated directly to cardholders via email or mail.

Holiday Promos: Expect enhanced promotional financing offers and potential cardholder-exclusive discounts during major retail holidays such as Presidents' Day, Memorial Day, Fourth of July, Labor Day, Black Friday/Cyber Monday, and year-end clearance sales. Back-to-school and spring/fall refresh periods may also feature special promotions.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Easy approval process, useful for special financing offers, helps furnish a home without immediate full payment.

Top Negative:
High interest rates after promotional period, poor customer service, issues with billing and payment processing, difficult to manage account online.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Lowe's Advantage Card
  • Discover it® Secured Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0