Seventh Avenue Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: seventh-avenue-credit-card

Issuer: Synchrony

Card Name: Seventh Avenue Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:28

Last Scraped: Feb 17, 2026 08:30

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) 5 Total
PENDING
Account Management 1
Online Account Management

Cardholders can easily manage their credit card account online, including viewing statements, making payments, and updating personal information.

Financial 3
No Annual Fee
No annual fee

Cardholders are not charged an annual fee for maintaining the credit card account.

Convenient Monthly Payments

The credit card offers convenient options for making monthly payments towards the outstanding balance.

Special Financing Offers
Varies by offer

Cardholders may be eligible for special financing offers on qualifying purchases, which can include deferred interest or reduced APR periods.

Shopping 1
Exclusive Savings Offers
Varies by offer

Cardholders receive exclusive savings offers throughout the year, providing discounts on purchases at Seventh Avenue.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 18 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: New cardholders for 2026 are projected to receive a welcome offer, typically a 10-15% discount on their first Seventh Avenue purchase made within 30-90 days of account opening, or a $10-$20 statement credit after their first purchase. Eligibility requirements include being 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing a fair to good credit history. Approval is subject to Synchrony Bank's credit underwriting standards, which may consider existing Synchrony accounts and recent credit inquiries. This card is exclusively for purchases made at Seventh Avenue stores and online at SeventhAvenue.com; it cannot be used at other merchants.

Max Cards Per Issuer: 5

Min Spend Interval: 30-90 days

Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, rapid succession of Synchrony card applications, excessive returns, suspected fraudulent activity, consistent late payments, or non-payment.

Cliff Effect Rules: This store card does not typically have complex 'card family' rules or 'cliff effects' related to earning rewards across different card tiers. The primary 'cliff' would be the loss of promotional financing benefits (e.g., 0% APR) if minimum payments are not made on time, leading to deferred interest charges.

Special Events: Frequent cardholder-exclusive discounts (e.g., 20% off specific categories), early access to sales, birthday discounts, and special financing offers (e.g., 6, 12, or 18 months 0% APR on qualifying purchases).

Holiday Promos: Enhanced promotional offers and special financing during major shopping holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, and seasonal sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for those with fair credit, provides special financing offers, convenient for frequent Seventh Avenue shoppers.

Top Negative:
High interest rates, limited use outside Seventh Avenue, reports of poor customer service from Synchrony, deferred interest can be confusing.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Fingerhut Credit Account
  • Capital One Platinum Secured Card
  • Wayfair Credit Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $35.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0