ShopHQ Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: shophq-credit-card

Issuer: Synchrony

Card Name: ShopHQ Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:36

Last Scraped: Feb 17, 2026 08:38

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits and protections under the Servicemembers Civil Relief Act (SCRA) for eligible Servicemembers and their families who have an account with Synchrony.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: ShopHQ Rewards

Base Rate: 2x

Bonus Rate: 5x

Categories: 5x First ShopHQ purchase within 30 days of account opening

Quarterly Rotating: No

Cap Amount: $1,000.00

Expiration Policy: ShopHQ Rewards expire 12 months from the date they are issued if not redeemed.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards can only be redeemed for purchases made at ShopHQ.

Benefits & Protections (Detailed) 4 Total
PENDING
Account Management 1
Online Account Management

Cardholders can conveniently manage their ShopHQ Credit Card account online, including viewing statements, making payments, updating personal information, and checking financing details.

Financial 1
No Annual Fee
No annual fee

The ShopHQ Credit Card does not charge an annual fee for card usage, helping cardholders save money on their credit card account.

Shopping 2
Special Financing Offers
Varies by offer and purchase

Cardholders may be eligible for special financing offers on qualifying purchases made at ShopHQ, allowing for deferred interest or interest-free payment plans under specific promotional terms and conditions.

Exclusive Cardholder Offers
Varies by offer

Cardholders receive exclusive promotional offers, discounts, and special savings events available only to ShopHQ Credit Card members.

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
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

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility requirements for the ShopHQ Credit Card (2026) include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating sufficient income to meet payment obligations. Approval is subject to a credit check, typically targeting fair to good credit profiles. Bonus rules for 2026 are expected to include ongoing benefits such as earning 5% back in rewards on all ShopHQ purchases, or access to special financing offers (e.g., 0% APR for 6, 12, or 18 months) on qualifying purchases over a specified amount. Rewards are generally issued as statement credits or ShopHQ gift certificates.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable; benefits are ongoing rewards or special financing offers, not tied to an initial spend bonus.

Shutdown Risk Triggers: Manufactured spending (less common for store cards but a general risk), high cumulative credit limit across all Synchrony accounts, excessive credit seeking, missed payments, defaulting on special financing terms, sudden and uncharacteristic spending patterns, or suspected fraudulent activity.

Cliff Effect Rules: Not applicable for store-specific cards; each card is generally evaluated independently for approval, though overall Synchrony credit exposure and payment history across all Synchrony accounts are considered during application and account review.

Special Events: ShopHQ Anniversary Sale, Customer Appreciation Days, specific brand launch events, 'Deal of the Day' promotions, clearance events, and exclusive cardholder-only shopping hours or previews.

Holiday Promos: Black Friday/Cyber Monday, Christmas/New Year's, Valentine's Day, Mother's Day, Father's Day, 4th of July, Labor Day, Memorial Day, and other seasonal sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy to get approved, useful for special financing on large purchases at ShopHQ, exclusive discounts and promotions for loyal shoppers.

Top Negative:
High interest rates, limited utility outside ShopHQ, customer service issues with Synchrony, potential for unexpected credit limit changes.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Discover it® Secured Credit Card
  • Amazon Store Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
No Version Control Available

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