The Tile Shop Credit Card

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: the-tile-shop-credit-card

Issuer: Synchrony

Card Name: The Tile Shop Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:28

Last Scraped: Feb 17, 2026 10:30

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 2 Total
PENDING
Shopping 2
Special Financing Offer: 12 Months 0% APR
0% APR for 12 months on purchases of $2,500+

No interest if paid in full within 12 months on purchases of $2,500 or more made with The Tile Shop Credit Card. Minimum monthly payments are required. Subject to credit approval. See store for details.

Special Financing Offer: 6 Months 0% APR
0% APR for 6 months on purchases of $500+

No interest if paid in full within 6 months on purchases of $500 or more made with The Tile Shop Credit Card. Minimum monthly payments are required. Subject to credit approval. See store for details.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18, 24, 36, 48, or 60 Months.
Approval Criteria & Requirements
No Approval Criteria Available

Click "Get Data" button below to fetch approval criteria.

Issuer Rules & Policies
PENDING

Rules: The Tile Shop Credit Card, issued by Synchrony, primarily offers special financing promotions rather than traditional sign-up bonuses. Eligibility requirements for 2026 include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and possessing a stable income with an acceptable credit history (typically fair to good, though Synchrony can be more lenient for store cards). The main 'bonus' is deferred interest financing (e.g., 0% APR for 6, 12, 18, or 24 months) on qualifying purchases, often with minimum spend thresholds (e.g., $500, $1000). It's crucial to note that these are deferred interest promotions, meaning if the promotional balance is not paid in full by the end of the period, interest will be charged from the original purchase date.

Max Cards Per Issuer: 5

Min Spend Interval: N/A - Primary benefit is special financing, not a traditional spend bonus.

Shutdown Risk Triggers: Common triggers for account shutdown or credit limit reduction include: missed or consistently late payments, exceeding credit limits across multiple Synchrony accounts, suspicious or fraudulent activity (e.g., unusually large purchases inconsistent with spending patterns), bankruptcy or significant derogatory marks on credit report post-approval, and high cumulative credit exposure to Synchrony relative to income.

Cliff Effect Rules: Not applicable. Synchrony store cards are generally evaluated independently. While overall credit exposure across all Synchrony accounts is considered during new applications and credit limit reviews, there are no specific 'card family' rules that restrict eligibility for other Synchrony-issued cards in the same way as some other major issuers.

Special Events: Expect special financing offers and discounts during key retail periods such as Spring/Summer renovation seasons, Fall refresh events, 'Project Financing' promotions, and specific manufacturer sales. These events often coincide with increased promotional financing terms.

Holiday Promos: Key holiday promotional periods for special financing and discounts include Black Friday, Cyber Monday, Memorial Day, Labor Day, 4th of July, New Year's, and President's Day sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Users appreciate the promotional financing offers (e.g., 0% APR for a period) which allows them to make large home improvement purchases without immediate interest. The application process is generally quick and convenient, often available in-store.

Top Negative:
Common complaints include high standard APR after the promotional period, issues with Synchrony Bank's customer service, and unexpected interest charges if promotional terms are not met precisely. Some users find the card's utility limited to only The Tile Shop.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One Quicksilver
  • Citi Double Cash Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $300.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2023-10-01