Specialized Financing Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: specialized-financing-credit-card

Issuer: Synchrony

Card Name: Specialized Financing Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 09:10

Last Scraped: Feb 17, 2026 09:11

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank assists eligible Servicemembers and their dependents with benefits under the Servicemembers Civil Relief Act (SCRA). This may include interest rate reductions and other protections.

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) 3 Total
PENDING
Financing 3
6 Months Special Financing
6 months no interest on purchases $299+

No interest if paid in full within 6 months on purchases of $299 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 months. Minimum monthly payments required. Standard APR is 29.99%.

12 Months Special Financing
12 months no interest on purchases $999+

No interest if paid in full within 12 months on purchases of $999 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months. Minimum monthly payments required. Standard APR is 29.99%.

24 Months Special Financing
24 months no interest on purchases $1999+

No interest if paid in full within 24 months on purchases of $1999 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 24 months. Minimum monthly payments required. Standard APR is 29.99%.

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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within 6 or 12 months. 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, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility requirements for the Synchrony specialized-financing-credit-card typically include being 18 years or older (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing a good to fair credit history. The primary 'bonus rule' for this card type is access to specialized promotional financing offers, such as 0% APR for a specified period on qualifying purchases above a certain threshold. These specific financing terms are subject to the individual merchant's current promotions and may vary. Application rules are subject to Synchrony's credit approval process, and the card's usage is generally restricted to the specific store or network it's associated with.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for traditional bonus; promotional financing terms apply to qualifying purchases within specified promotional periods.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, missed payments, excessive credit seeking (churning applications), suspicious account activity, defaulting on other Synchrony products, prolonged account inactivity, or significant changes in credit profile.

Cliff Effect Rules: Synchrony does not typically have 'card family' bonus eligibility rules like some major issuers. However, they are highly sensitive to a customer's total credit exposure across all Synchrony-issued cards. Reaching a perceived maximum cumulative credit limit can lead to denials for new applications or credit limit reductions on existing accounts, even if individual card limits are not maxed out.

Special Events: Exclusive cardholder-only sales events, loyalty program benefits, early access to new products or promotions, special financing offers tied to specific product launches, store anniversaries, or seasonal sales.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Memorial Day, Labor Day, 4th of July, Back-to-School, and other major retail sales periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Excellent promotional financing options for large purchases, relatively easy approval process for those with fair credit, useful for dedicated Specialized customers.

Top Negative:
High standard APR after promotional period, customer service can be inconsistent, potential for aggressive marketing, limited utility outside of Specialized purchases.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • REI Co-op Mastercard
  • Citi Custom Cash Card
  • Wells Fargo Reflect Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Nov 19, 2023 00:00