Rooms To Go Credit Card
Basic Information
Program ID: rooms-to-go-credit-card
Issuer: Synchrony
Card Type: Credit
Network: N/A
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 11:47
Last Scraped: 01/15/2026 11:48
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: N/A - No traditional sign-up bonus (points, cash, or statement credit) is offered for this card. The primary benefit is access to special financing offers upon approval.
Rewards Program
Reward Type: Special Financing / Store Discounts
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: The Rooms To Go Credit Card primarily offers special financing promotions on Rooms To Go purchases (e.g., 0% APR for X months on qualifying purchases). It does not offer a traditional points or cash back rewards program on general spending. Occasional store-specific discounts (e.g., a percentage off your first purchase or during promotional periods) may be available.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A (This card does not earn points or traditional rewards that expire. Special financing offers have specific terms and expiration dates for the promotional APR period.)
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: Eligibility: Applicants must be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate sufficient creditworthiness and income as determined by Synchrony Bank. Bonus/Promotional Offer (Projected for 2026): The card primarily offers deferred interest financing promotions, such as '0% APR for X months on qualifying purchases over a specified minimum amount.' If the promotional balance is not paid in full by the end of the promotional period, all accrued interest from the original purchase date will be retroactively charged. Occasional first-purchase discounts (e.g., 10% off) may also be offered. Usage Restrictions: This card is a closed-loop store card, exclusively for purchases made at Rooms To Go physical stores and RoomsToGo.com.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Not applicable for traditional bonus spend. Promotional financing offers apply to specific qualifying purchases and have their own terms (e.g., '0% APR for X months on purchases over $Y'). First purchase discounts are immediate upon qualifying purchase.
Shutdown Risk Triggers: Missed payments, high utilization across Synchrony accounts, suspected fraudulent activity, significant deterioration of credit profile, or exceeding Synchrony's internal cumulative credit exposure limits across all Synchrony-issued cards.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval process, helpful for financing large furniture purchases, special promotional financing offers available.
Top Negative Feedback:
High interest rates after promotional period, customer service can be challenging, limited utility outside of Rooms To Go.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Ashley Furniture HomeStore Credit Card
- Capital One Platinum Secured Credit Card
- Discover it Secured Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0