Simplicity Synchrony Credit Card

Synchrony Pending

Back Apply Now

4

Benefits

0

Reward Categories

—

Max Reward

—

APR From
Basic Information
PENDING

Program ID: simplicity-consumer-credit-card

Issuer: Synchrony

Card Name: Simplicity Synchrony Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:38

Last Scraped: Feb 17, 2026 08:40

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

Quarterly Rotating: No

Benefits & Protections (Detailed) 4 Total
PENDING
Financial Management 2
Convenient Monthly Payments

Cardholders can make convenient monthly payments on their purchases made with the Simplicity Consumer Credit Card.

Online Account Management

Ability to manage the Simplicity Consumer Credit Card account online, including viewing statements, making payments, and checking balances.

Shopping 2
Special Financing Offers
Varies by offer

Access to special financing offers for purchases, subject to credit approval. These offers typically involve promotional interest rates or deferred interest for a specified period.

Dedicated Credit Line
Varies by credit limit

A dedicated credit line specifically for purchases of Simplicity equipment and related products, allowing for future purchases without reapplying.

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
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Supported
Application Process
Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The 'simplicity-consumer-credit-card' is designed for general consumer use, often featuring straightforward terms and potentially tied to specific retail partners for enhanced benefits. Eligibility requirements for 2026 include being at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating sufficient income and a fair to good credit history (typically FICO score 640+). Specific bonus offers, if any, are generally simple, such as a small statement credit after the first purchase or a limited-time deferred interest financing offer, varying by promotional period and retail partner. Store-specific restrictions and benefits apply, meaning usage and rewards may be optimized at designated retailers.

Max Cards Per Issuer: 4

Min Spend Interval: Typically 90 days for spend-based bonuses, or immediate for first-purchase offers.

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Synchrony accounts, unusual spending patterns inconsistent with historical behavior, defaulting on other Synchrony accounts, excessive credit seeking (especially after recent approvals), suspected fraud, or violation of cardholder agreement terms.

Cliff Effect Rules: Synchrony evaluates overall credit exposure across all accounts. While there isn't a strict 'card family' rule, approvals for new Synchrony cards (especially store cards) may be impacted by the number and total credit limits of existing Synchrony accounts. High existing credit limits with Synchrony can lead to denials or lower limits on new applications, as the issuer manages its total risk exposure per customer.

Special Events: Seasonal sales events, exclusive cardholder discounts, special financing offers (e.g., 0% APR for X months on qualifying purchases), loyalty program tier bonuses, early access to sales, and personalized promotions based on spending habits.

Holiday Promos: Black Friday/Cyber Monday (Nov-Dec), Christmas/Holiday Season (Nov-Dec), Valentine's Day (Feb), Mother's Day (May), Father's Day (June), Back-to-School (Aug-Sep), Memorial Day/Labor Day sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval process, useful for financing large purchases at Simplicity, occasional promotional offers.

Top Negative:
High interest rates after promotional periods, limited use outside of Simplicity, reports of challenging customer service experiences.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card (Synchrony)
  • Amazon Store Card (Synchrony)
  • Capital One Platinum Secured Mastercard

Card Value Score: 65.0 / 100

Est. Annual Rewards: $35.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0