Snapper Consumer Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: snapper-consumer-credit-card

Issuer: Synchrony

Card Name: Snapper Consumer Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 09:01

Last Scraped: Feb 17, 2026 09:03

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) 4 Total
PENDING
Account Management 1
Online Account Management

Access to an easy-to-use online system provided by Synchrony Bank for managing the credit card account, including viewing statements, making payments, and checking balances.

Financing 2
Convenient Monthly Payments

Allows cardholders to make manageable monthly payments on their Snapper product purchases.

Revolving Line of Credit

Provides cardholders with a flexible line of credit that can be used repeatedly for Snapper purchases, up to an approved limit, as long as payments are made.

Shopping 1
Special Promotional Financing Offers
Varies by promotion

Access to special financing promotions, such as deferred interest or low APR offers, on eligible Snapper purchases, when available.

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
Effective Annual Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ 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.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The snapper-consumer-credit-card is a store-specific credit card issued by Synchrony, primarily designed for purchases at a designated retailer (implied by 'snapper' and 'store-specific restrictions'). Eligibility typically requires applicants to be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria. Approval is subject to credit history review. Bonus rules often include an initial discount on the first purchase (e.g., 10-20% off) or special promotional financing offers (e.g., 0% APR for a set period on qualifying purchases). These offers are generally tied to the specific retailer's promotions.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive credit utilization on Synchrony cards, rapid application for multiple Synchrony cards within a short period, defaulting on any Synchrony account, suspected abuse of promotional financing terms, or unusual spending patterns inconsistent with typical store card usage.

Cliff Effect Rules: Synchrony does not typically have 'card family' bonus restrictions like some major issuers. However, approval for new Synchrony store cards can be impacted by the number of existing Synchrony accounts and the total credit extended. High cumulative credit limits with Synchrony can lead to denials for new applications or credit limit reductions on existing accounts, even if individual accounts are in good standing.

Special Events: Exclusive cardholder discounts during specific sales events (e.g., Friends & Family, VIP events), early access to sales, bonus rewards points on certain product categories, or enhanced promotional financing offers during peak shopping seasons.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Mother's Day, Father's Day, Memorial Day, Labor Day, and other major retail sales events throughout the year.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy financing for large purchases like lawn mowers; Helpful for spreading out payments; Good promotional offers.

Top Negative:
High interest rates after promotional period; Poor customer service from Synchrony; Difficult to manage account online; Unexpected fees.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Home Depot Consumer Credit Card
  • Lowe's Advantage Card
  • Discover it® Secured Credit Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0