Trane/Synchrony Bank credit card

Synchrony Pending

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4

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: trane-credit-card

Issuer: Synchrony

Card Name: Trane/Synchrony Bank credit card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:47

Last Scraped: Feb 17, 2026 10:49

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Financing 3
Convenient Monthly Payments

Cardholders can make convenient monthly payments for their Trane system purchases, helping to manage the cost over time.

Special Financing Options
Varies by promotion and approved credit

Access to special financing options for Trane system purchases, available with approved credit. These options can provide flexible payment terms.

Revolving Line of Credit
Varies by credit limit

Provides a revolving line of credit that can be used for future Trane product or service purchases, subject to credit approval.

Lifestyle 1
Easy Online Account Management

Cardholders can easily manage their credit card account online, including viewing statements, making payments, and monitoring account activity.

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

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

Purchase APR: 29.99% - 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
One of the three major bureaus
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Trane credit card (as of 2026, based on typical Synchrony store card criteria) generally requires applicants to be a U.S. resident, at least 18 years of age, and possess a valid Social Security Number or ITIN. A credit history ranging from fair to excellent is typically required, with approvals often possible for those with good credit. The card's primary benefit is promotional financing offers (e.g., deferred interest for a specified period) on qualifying Trane purchases, rather than traditional points or cashback rewards. Specific offers and their terms are subject to change and may vary by authorized Trane dealer. The card is subject to store-specific restrictions, meaning it is primarily intended for use at participating Trane dealers for HVAC equipment and services.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional spend bonuses. The primary benefit is promotional financing, which has varying promotional periods (e.g., 6-60 months) rather than a spend interval for a bonus.

Shutdown Risk Triggers: Common triggers for account shutdown or adverse action by Synchrony include missed or late payments, high credit utilization across all Synchrony accounts, suspected fraudulent activity, exceeding internal cumulative credit limits across Synchrony products, prolonged account inactivity, and significant negative changes to the cardholder's credit profile (e.g., bankruptcy, multiple new delinquencies).

Cliff Effect Rules: Not applicable. Synchrony's approval decisions and credit line management are primarily based on an individual's overall creditworthiness and total credit exposure across all Synchrony accounts, rather than specific card family rules or restrictions on holding multiple cards within a particular 'family' of products.

Special Events: Typical special events for the Trane credit card in 2026 are expected to include seasonal HVAC maintenance promotions (e.g., pre-summer AC tune-ups, pre-winter furnace checks), special financing offers tied to new Trane product launches or comprehensive system installations, and dealer-specific promotional events throughout the year.

Holiday Promos: Expected holiday promotion periods for 2026 will align with standard retail holidays such as Black Friday, Cyber Monday, Christmas, New Year's, Memorial Day, Labor Day, and the 4th of July. Additionally, promotions are likely during peak HVAC seasons (e.g., Spring for AC installations, Fall for heating system upgrades).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Useful for financing large HVAC purchases with promotional APRs; helped manage a significant home improvement expense; relatively easy approval process for those needing financing.

Top Negative:
High deferred interest if not paid in full by the promotional period end; high regular APR after promotion; customer service can be challenging; credit limit might be lower than desired.

Approval Experience: 78.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • Home Depot Project Loan
  • Wells Fargo Reflect Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2023-10-26