2
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) 2 Total
PENDINGSecurity 1
Online Account Management
N/ACardholders can manage their Sutherland's Credit Card account online through Synchrony Bank's dedicated portal. This allows for viewing statements, making payments, updating personal information, and other account-related services.
Shopping 1
Special Financing Offers
Varies by promotionCardholders can enjoy special financing promotions on qualifying purchases made with the Sutherland's Credit Card. Specific offers, terms, and minimum purchase requirements vary and are subject to credit approval. Details on current offers are available in-store.
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 |
| Penalty APR: | 29.99% |
| 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
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Sutherlands Credit Card (Synchrony) in 2026 requires applicants to be at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to Synchrony's creditworthiness criteria, which typically includes a review of credit history and income. New cardholder bonuses often include a percentage off the first Sutherland's purchase (e.g., 10-15% off up to a maximum discount) or special financing offers (e.g., 0% APR for 6-12 months on qualifying purchases over a specified amount). These offers are exclusively valid for purchases made at Sutherland's stores or online at Sutherlands.com. Standard Synchrony terms and conditions apply.
Max Cards Per Issuer: 5
Min Spend Interval: Immediate (for first purchase discount) or 30-90 days (for spend-based offers)
Cliff Effect Rules: Not applicable; store-specific credit cards like the Sutherlands Credit Card typically do not have 'card families' or complex benefit tiers that trigger cliff effects upon closure or downgrade.
Special Events: Seasonal sales events (e.g., Spring Home Improvement, Fall Renovation), contractor/pro days, grand opening promotions, specific product category discounts (e.g., lumber, tools, appliances), and exclusive cardholder-only savings events.
Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Memorial Day, Labor Day, 4th of July, Mother's Day/Father's Day (for relevant home improvement products).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy approval for store-specific financing, useful for large purchases with promotional offers, no annual fee, convenient for frequent Sutherlands shoppers.
Top Negative:
High interest rates after promotional period, deferred interest can be costly if not paid in full, customer service can be challenging, limited use outside of Sutherlands stores.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Home Depot Project Loan
- Chase Freedom Flex
Card Value Score: 65.0 / 100
Est. Annual Rewards: $75.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v2024.01