Tivol Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: tivol-credit-card

Issuer: Synchrony

Card Name: Tivol Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:36

Last Scraped: Feb 17, 2026 10:38

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits under the Servicemembers Civil Relief Act (SCRA) for eligible active duty service members, spouses, and dependents. This includes a 6% APR cap on pre-service balances.

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) 4 Total
PENDING
Security 1
Online Account Access

Cardholders can conveniently manage their Tivol credit card account online, allowing them to view statements, make payments, update personal information, and monitor account activity.

Shopping 3
Special Financing Offers
Varies by promotion

Cardholders may be eligible for special financing promotions on qualifying purchases made at Tivol. Specific terms and conditions, including promotional periods and minimum purchase requirements, apply and are disclosed at the time of offer.

Dedicated Tivol Credit Line

The Tivol credit card provides a specific line of credit exclusively for purchases made at Tivol stores or through Tivol's online channels.

Exclusive Cardholder Offers
Varies by offer

Cardholders receive access to special promotions, discounts, and exclusive offers available only to Tivol credit cardholders.

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: $30.00
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 the promotional period. Minimum monthly payments are required. See card agreement for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Bonus Rule: New cardholders receive a 15% discount on their first Tivol purchase made within 30 days of account opening, up to a maximum discount of $150. Alternatively, special promotional financing offers (e.g., 0% APR for 6, 12, or 18 months on qualifying purchases) may be available at the time of purchase, superseding the initial discount. Application Rules/Eligibility: - Must be at least 18 years old (19 in AL/NE). - Possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). - Be a U.S. resident with a valid mailing address. - Have a fair to good credit history (typically FICO score 620+ for approval, though Synchrony may approve lower for store cards). - No active bankruptcies or recent defaults on Synchrony accounts. - Approval is subject to Synchrony's internal credit policies and overall credit exposure limits. - Store-specific restriction: This card is primarily for purchases made at Tivol stores or tivol.com.

Max Cards Per Issuer: 6

Min Spend Interval: 30 days for initial discount; 3 months for any potential spend-based bonus.

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Synchrony accounts, excessive credit seeking (numerous applications in a short period), defaulting on other Synchrony-issued credit products, suspicious or fraudulent activity, abuse of promotional financing terms, breaching the cardholder agreement terms and conditions, significant adverse changes in credit profile (e.g., bankruptcy, multiple delinquencies).

Cliff Effect Rules: Synchrony does not typically have 'card family' rules that prevent bonuses across different store brands. However, re-applying for the same 'tivol-credit-card' within a short period (e.g., 12-24 months) after closing an account or receiving a previous welcome bonus may result in ineligibility for a new welcome offer. Approval for additional Synchrony cards is primarily based on overall creditworthiness and total credit exposure.

Special Events: Exclusive cardholder-only sales events, double points or cashback days on Tivol purchases, special extended financing offers during specific promotional periods (e.g., 0% APR for 24 months on purchases over $1000), early access to new collections or product launches, birthday discounts or anniversary rewards.

Holiday Promos: Valentine's Day (February), Mother's Day (May), Father's Day (June), Graduation Season (May-June), Black Friday / Cyber Monday (November), Christmas / Holiday Season (November-December), New Year's Sales (January).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Customers appreciate promotional financing options for high-value jewelry purchases and exclusive access to store-specific benefits.

Top Negative:
Common complaints include high regular APR after promotional periods, limited utility outside of Tivol stores, and potential for deferred interest.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Synchrony Luxury Retail Card
  • Chase Sapphire Preferred
  • Citi Double Cash Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2023.10