Sit 'n Sleep Credit Card

Synchrony Pending

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1

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: sit-n-sleep-credit-card

Issuer: Synchrony

Card Name: Sit 'n Sleep Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:44

Last Scraped: Feb 17, 2026 08:46

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) 1 Total
PENDING
Financial 1
No Annual Fee
$0 Annual Fee

Cardholders are not charged an annual fee for maintaining the Sit 'n Sleep Credit Card account.

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

⚠️ No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: Applicants must be at least 18 years old (19 in AL/NE), a U.S. resident, possess a valid Social Security Number or ITIN, and demonstrate verifiable income to meet Synchrony's creditworthiness criteria. The primary 'bonus' for the Sit 'n Sleep credit card in 2026 is promotional financing offers, such as 0% APR for specified periods (e.g., 6, 12, 24, 36+ months) on qualifying purchases made at Sit 'n Sleep. Specific terms, including duration and minimum purchase requirements, are subject to current promotions and are applied at the point of sale. There is no traditional sign-up bonus requiring a minimum spend interval.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional bonus; promotional financing applied at purchase.

Shutdown Risk Triggers: Missed payments, high credit utilization, bankruptcy filings, suspected fraudulent activity, excessive applications for Synchrony products within a short timeframe, or a significant deterioration in overall credit profile. High cumulative credit limit across all Synchrony accounts can also trigger credit line reductions or impact future approvals.

Cliff Effect Rules: While there are no specific 'card family' rules for the Sit 'n Sleep card itself, Synchrony Bank assesses overall credit exposure across all its issued cards. Accumulating multiple Synchrony cards or high credit limits on existing Synchrony accounts can impact approval for additional Synchrony products or lead to credit line adjustments across your portfolio.

Special Events: Major Sit 'n Sleep sales events (e.g., Memorial Day Sale, Labor Day Sale, Presidents' Day Sale, Anniversary Sale, Clearance Events), often featuring enhanced promotional financing offers.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, New Year's Sales, Valentine's Day, Mother's Day, Father's Day, 4th of July.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy financing for large purchases, helpful for budgeting, quick approval process, good promotional offers.

Top Negative:
High deferred interest if not paid in full, customer service issues with Synchrony, limited use outside the store.

Approval Experience: 75.0 / 100

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

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2024.01