Simplicity Synchrony Bank Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: simplicity-sewing-credit-card

Issuer: Synchrony

Card Name: Simplicity Synchrony Bank Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:42

Last Scraped: Feb 17, 2026 08:44

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) 3 Total
PENDING
Financial 1
No Annual Fee
$0

The Simplicity Credit Card does not charge an annual fee for card membership, allowing cardholders to maintain their account without recurring yearly costs.

Lifestyle 1
Online Account Management
N/A

Cardholders can conveniently manage their Simplicity Credit Card account online through Synchrony Bank's portal. This includes viewing statements, making payments, setting up alerts, and updating personal information.

Shopping 1
Special Financing Offers
Varies by promotional offer

Cardholders can access special financing promotions on qualifying purchases made with the Simplicity Credit Card. These promotions typically involve deferred interest, where interest is charged from the purchase date if the promotional balance is not paid in full by the end of the promotional period. Minimum monthly payments are 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
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%

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 the promotional period. Minimum monthly payments required. See agreement for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility requires applicants to be 18+ (19+ in AL/NE), a US resident with a valid SSN/ITIN, and possess sufficient income and an acceptable credit history. The card primarily offers special promotional financing on qualifying Simplicity purchases (e.g., 0% APR for X months) and may include an initial discount on the first purchase (e.g., 10-20% off). Application is online and subject to credit approval.

Max Cards Per Issuer: 4

Min Spend Interval: N/A

Shutdown Risk Triggers: Defaulting on payments, excessive returns, suspected fraudulent activity, opening too many Synchrony accounts in a short period, high cumulative credit limit across all Synchrony accounts relative to income, or significant adverse changes in credit profile.

Cliff Effect Rules: There are no specific 'card family' cliff effects. However, Synchrony's underwriting for new applications considers existing Synchrony accounts, total credit extended, and recent application history. Approvals for additional Synchrony cards may become harder if you already hold several accounts or have a high cumulative credit limit with the issuer.

Special Events: Simplicity-specific sales events (e.g., seasonal fabric sales, machine promotions), exclusive cardholder-only discounts during specific promotional periods, double points or special financing offers tied to new product launches or specific categories (e.g., sewing machines, patterns), and anniversary sales for Simplicity.

Holiday Promos: Standard retail holidays such as Black Friday/Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, Memorial Day, Labor Day, Back-to-School (for craft supplies), and National Sewing Month (September). These periods often feature enhanced financing offers or additional discounts for cardholders.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy to get approved, helpful for financing large sewing machine purchases, special promotional offers available.

Top Negative:
High interest rates after promotional period, customer service can be slow, only useful for Simplicity purchases.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Store Card
  • Capital One Platinum Secured
  • Discover it Secured

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023

⚠️ Change Alert: This information may have changed after that date. To find out what may have changed, call us at 1-866-419-4096 or write to us at P.O. Box 965004, Orlando, FL 32896-5004.