The Container Store Credit Card
Basic Information
Program ID: the-container-store-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:08
Last Scraped: 01/15/2026 12:10
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 3,224.00% - 3,224.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,224.00%
Sign-Up Bonus
Bonus Amount: $15.00
Spending Requirement: $0.01
Time Period: 30 days
Bonus Timing: The 15% discount is applied instantly at the point of sale on your first purchase when using The Container Store Credit Card. The 'SignupBonusAmount' field represents the percentage discount offered, as the bonus is not a fixed amount of points, miles, or cash.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at The Container Store
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: N/A - Not a travel rewards card.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Application Eligibility: Applicants must be 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 meet Synchrony Bank's creditworthiness criteria. While often more lenient than prime cards, a reasonable credit history is expected. Bonus/Promotional Rules: For 2026, typical offers include an initial discount (e.g., 10-15% off the first purchase made within a specified timeframe) or special deferred interest financing (e.g., 0% APR for 6-12 months on qualifying purchases over a certain amount). Ongoing rewards usually involve earning points or a percentage back on purchases made at The Container Store, redeemable for store credit or discounts.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: N/A for traditional sign-up bonuses; initial discounts are typically applied immediately or require a single qualifying purchase within a short period (e.g., 30-90 days). Promotional financing terms are activated upon qualifying purchases.
Shutdown Risk Triggers: Excessive credit seeking with Synchrony (too many applications in a short period), high cumulative credit exposure across multiple Synchrony accounts, consistent minimum payments on promotional financing without paying off balances by the due date, suspected fraudulent activity, repeated late payments, or abuse of promotional terms (e.g., making large purchases solely for deferred interest without intent to pay).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Users appreciate the exclusive discounts and special financing options available for Container Store purchases, making large purchases more manageable.
Top Negative Feedback:
Common complaints include high interest rates, limited reward earning potential outside of The Container Store, and occasional issues with Synchrony Bank's customer service.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One Quicksilver
- Wells Fargo Reflect Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $105.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0