Synchrony Pending

Back Apply Now

5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: sure24-credit-card

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 09:42

Last Scraped: Feb 17, 2026 09:44

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) 5 Total
PENDING
Account Management 1
Online Account Management
24/7 online access

Conveniently manage your Sure24 Credit Card account online, including viewing statements, tracking purchases, making payments, and updating personal information securely from any device.

Financial 2
No Annual Fee
No annual fee

The Sure24 Credit Card does not charge an annual fee for card membership, allowing cardholders to save on recurring costs.

Convenient Monthly Payments
Flexible payment options

The ability to make manageable monthly payments on your Sure24 Credit Card balance, helping you budget and pay over time.

Financing 1
Special Financing Offers
Varies by offer (e.g., 6 months no interest on purchases of $199 or more)

Access to promotional financing offers, such as deferred interest or interest-free periods, on qualifying Sure24 purchases. Specific offers and minimum purchase amounts may vary and are subject to credit approval.

Shopping 1
Dedicated Line of Credit
Exclusive credit for Sure24

A specific line of credit exclusively for purchases made at Sure24, providing a consistent and accessible financing option for your needs.

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
Additional Fees
PENDING
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18, or 24 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the sure24-credit-card requires applicants to be at least 18 years old, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), maintain a U.S. residential address, and demonstrate a good to excellent credit history. Applicants must not have defaulted on any Synchrony-issued account within the past 24 months. New cardholders receive a 15% discount on their first sure24.com purchase made within 30 days of account opening, up to a maximum discount of $75. Additionally, purchases over $299 qualify for 6 months of special financing at 0% APR, provided the full balance is paid by the promotional period end date. This card is exclusively for purchases at sure24.com and its affiliated physical locations; rewards and promotional offers are subject to sure24 store policies.

Max Cards Per Issuer: 4

Min Spend Interval: 30 days for initial discount; 6 months for special financing offers.

Shutdown Risk Triggers: Manufactured spending (if applicable to store gift cards), excessive credit seeking across Synchrony's portfolio, high cumulative credit limit across all Synchrony accounts, missed payments or defaults on any Synchrony-issued card, suspected fraudulent activity, or abuse of promotional financing terms.

Cliff Effect Rules: Synchrony does not have traditional 'card family' rules. However, approvals for new sure24-credit-card accounts are subject to an overall assessment of the applicant's total credit exposure with Synchrony. Having multiple high-limit Synchrony cards or a high cumulative credit limit across all Synchrony accounts may impact eligibility for new credit or credit limit increases, even if existing accounts are in good standing.

Special Events: Exclusive cardholder-only sales events (e.g., 'sure24 VIP Shopping Days'), early access to major sales, special financing offers on specific product categories (e.g., '12 Months 0% APR on Electronics'), and bonus reward points promotions during seasonal periods.

Holiday Promos: Black Friday/Cyber Monday (late November), Christmas/New Year's (December), Memorial Day (May), Labor Day (September), and 4th of July (July). Specific promotions vary annually.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Access to promotional financing for large purchases; relatively easy approval process for those with fair credit.

Top Negative:
High standard APR after promotional period; limited acceptance to Sure24 retailers; customer service can be difficult to reach or resolve issues.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Card
  • Discover it Secured Card
  • Synchrony HOME Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0