0
Benefits0
Reward Categories—
Max Reward32%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed)
No Card Benefits Available
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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
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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 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 31.99% - 31.99%
Cash Advance APR: 31.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 24 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Thornton-Powell Credit Card requires applicants to be 18 years or older, a US resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a fair to good credit history. Approval is subject to Synchrony's internal underwriting criteria, which includes an assessment of existing Synchrony accounts and overall credit exposure. Bonus Rule: New cardholders receive a 15% discount on their first Thornton-Powell purchase made within 30 days of account opening, up to a maximum discount of $100.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not enforce explicit 'family' rules similar to Chase's 5/24. However, approval for new Synchrony credit products becomes significantly more challenging once an applicant has 5 or more active Synchrony accounts or has reached a high total credit exposure across all Synchrony products, as determined by their internal risk assessment models.
Special Events: Exclusive early access to Thornton-Powell sales events, special financing offers on qualifying purchases, and member-only discounts throughout the year, particularly during seasonal promotions.
Holiday Promos: Black Friday/Cyber Monday (November), Christmas/Holiday Season (December), Memorial Day (May), Labor Day (September), and other major retail holidays.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy application process, helpful for large purchases, special financing offers can be beneficial for furniture.
Top Negative:
High interest rates after promotional period, limited use outside the store, customer service can be challenging.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Wayfair Credit Card
- Lowe's Advantage Card
- Synchrony HOME Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $30.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0