1
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 1 Total
PENDINGFinancing 1
Special Financing Options
Varies by promotionAccess to promotional financing offers on eligible purchases made with the Star Furniture credit card. These offers allow cardholders to pay for purchases over time, often with deferred interest if the promotional balance is paid in full within the specified period. Specific terms and availability are subject to current promotions and credit approval.
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
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 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Star Furniture credit card, issued by Synchrony, primarily offers special promotional financing on qualifying purchases made at Star Furniture. There are typically no traditional sign-up bonuses (e.g., cash back or points). Eligibility requirements for 2026 include being at least 18 years of age, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria, which involves a review of credit history and income. Approval is not guaranteed and depends on the applicant's credit profile. Promotional financing offers are subject to specific purchase minimums and terms, often involving deferred interest if the promotional balance is not paid in full by the end of the specified period.
Max Cards Per Issuer: 7
Min Spend Interval: N/A for traditional sign-up bonuses. Promotional financing offers have specific purchase minimums and repayment terms, not a general spend interval.
Cliff Effect Rules: Not applicable. Store-specific cards like the Star Furniture credit card do not typically belong to broader 'card families' with inter-card eligibility restrictions or 'cliff effects' common with major bank rewards programs.
Special Events: Seasonal sales events (e.g., Spring Sale, Summer Clearance, Fall Savings), Anniversary Sales, Grand Opening promotions, specific manufacturer promotions, and in-store financing events.
Holiday Promos: Major retail holidays such as Black Friday/Cyber Monday, Memorial Day, Labor Day, 4th of July, President's Day, and year-end holiday sales (Christmas/New Year).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy approval process, offers special financing promotions (e.g., 0% APR for extended periods), helps manage large furniture purchases with convenient monthly payments.
Top Negative:
Very high standard APR after promotional period, potential for deferred interest charges if balance isn't paid in full, limited use only at Star Furniture, some users report issues with Synchrony customer service.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One Quicksilver
- Wells Fargo Reflect Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $150.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0