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Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended 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
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Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual 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
PENDINGStandard APR
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility: Applicants must be 18 years or older, a US resident, possess a valid SSN or ITIN, and demonstrate sufficient income to meet payment obligations. A credit score in the fair to good range (typically 640+) is generally required, though Synchrony may approve applicants with lower scores based on overall credit profile and existing relationship. Bonus Rule: New cardholders receive a 15% discount on their first Sleep Outfitters purchase made within 30 days of account opening, up to a maximum discount of $100. Additionally, special financing offers (e.g., 0% APR for 6, 12, or 18 months on qualifying purchases) are frequently available. Application Rules: Synchrony generally limits the number of active credit accounts an individual can hold with them. While not a strict public rule, applicants with multiple recent Synchrony account openings (e.g., 2+ in the last 6 months) or a high cumulative credit limit across existing Synchrony products may face denial. Prior defaults or severe delinquencies on any Synchrony-issued card will likely result in an automatic denial.
Max Cards Per Issuer: 3
Min Spend Interval: N/A (Bonus is typically first-purchase discount or special financing)
Cliff Effect Rules: Synchrony assesses an applicant's total credit exposure across all its issued products (store cards, general-purpose cards, etc.). Approvals for new cards or credit limit increases are heavily influenced by this cumulative limit. Reaching an internal maximum exposure threshold can lead to denials for new applications or even credit limit reductions on existing accounts, regardless of individual card performance.
Special Events: Annual 'Sleep Better' Sale with exclusive cardholder discounts, quarterly 'Comfort Rewards' events offering bonus points or cashback on specific categories, early access to new product launches, and birthday month discounts.
Holiday Promos: Black Friday/Cyber Monday, Christmas & New Year's Sales, Memorial Day & Labor Day Sales, and President's Day mattress promotions.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.5 / 5.0
Top Positive:
Useful for large purchases with deferred interest promotions; relatively easy approval for some.
Top Negative:
High APR after promotional period; poor customer service; difficult to manage account or get credit limit increases.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Citi Custom Cash Card
- Chase Freedom Unlimited
- Lowe's Advantage Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: 2024-01