Sam Ash Credit Card

Synchrony Pending

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9

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: sam-ash-credit-card

Issuer: Synchrony

Card Name: Sam Ash Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:20

Last Scraped: Feb 17, 2026 08:22

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) 9 Total
PENDING
Security 2
Online Account Management
24/7 account access

Cardholders can manage their Sam Ash Credit Card account online 24/7, including viewing statements, making payments, and checking account activity. This is a standard feature provided by Synchrony Bank for its credit card accounts.

Zero Fraud Liability
Full protection

Protection against unauthorized purchases made with the Sam Ash Credit Card. Cardholders are not responsible for fraudulent charges, a standard fraud protection feature provided by Synchrony Bank.

Shopping 7
6-Month Special Financing
6 months no interest

No interest if paid in full within 6 months on qualifying purchases made with the Sam Ash Credit Card. Minimum monthly payments required.

12-Month Special Financing
12 months no interest

No interest if paid in full within 12 months on qualifying purchases made with the Sam Ash Credit Card. Minimum monthly payments required.

18-Month Special Financing
18 months no interest

No interest if paid in full within 18 months on qualifying purchases made with the Sam Ash Credit Card. Minimum monthly payments required.

24-Month Special Financing
24 months no interest

No interest if paid in full within 24 months on qualifying purchases made with the Sam Ash Credit Card. Minimum monthly payments required.

36-Month Special Financing
36 months no interest

No interest if paid in full within 36 months on qualifying purchases made with the Sam Ash Credit Card. Minimum monthly payments required.

48-Month Special Financing
48 months no interest

No interest if paid in full within 48 months on qualifying purchases made with the Sam Ash Credit Card. Minimum monthly payments required.

60-Month Special Financing
60 months no interest

No interest if paid in full within 60 months on qualifying purchases made with the Sam Ash Credit Card. Minimum monthly payments required.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
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%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18 or 24 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The Sam Ash Credit Card, issued by Synchrony, primarily offers promotional financing rather than traditional sign-up bonuses. Eligibility requirements for 2026 include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and meeting Synchrony's creditworthiness criteria. The primary 'bonus rule' involves deferred interest or 0% APR promotional financing offers on qualifying purchases made at Sam Ash stores or samash.com, typically for specific purchase amounts and durations (e.g., 0% APR for 12 months on purchases over $499). These offers are subject to change and specific terms at the time of purchase. Application is typically online or in-store, with instant decisions often available. Card usage is strictly limited to Sam Ash retail locations and their official website.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional sign-up bonuses; promotional financing is applied at point-of-sale for qualifying purchases.

Shutdown Risk Triggers: Missed or late payments, defaulting on promotional financing terms, excessive credit seeking with Synchrony, suspected fraudulent activity, significant adverse changes in credit profile (e.g., bankruptcy, high debt-to-income ratio), or repeated abuse of promotional offers.

Cliff Effect Rules: Not applicable; the Sam Ash Credit Card is a standalone store-specific product without a 'card family' or tiered benefits that would trigger cliff effects.

Special Events: Expect enhanced promotional financing offers during major retail sales events such as Black Friday, Cyber Monday, Memorial Day Sales, Labor Day Sales, Back-to-School promotions, and Sam Ash Anniversary Sales.

Holiday Promos: Anticipate special financing promotions during key holiday periods including the Christmas/Holiday Season, New Year's, Valentine's Day, Mother's Day, Father's Day, and Halloween.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval, special financing offers for large purchases, good for building credit.

Top Negative:
High APR, deferred interest can be costly, limited use, customer service issues reported.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Discover it Cash Back
  • Chase Freedom Unlimited
  • Citi Double Cash Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $40.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: SYF-CA-0001 (01/24)