3
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 3 Total
PENDINGFinancing 1
Special Financing Offers
Varies by promotional offerCardholders can take advantage of special financing options on qualifying purchases made at US Appliance.
Lifestyle 1
Online Account Management
ConvenienceConveniently manage your US Appliance credit card account online, including viewing statements, making payments, and updating personal information.
Shopping 1
Access to Exclusive Promotional Offers
Varies by offerCardholders receive access to exclusive promotional offers from US Appliance.
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
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 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each Cash Advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Application requires applicant to be 18+ years old, a US resident, with a valid SSN/ITIN, and is subject to credit approval based on a credit check. Eligibility for promotional offers typically requires meeting specific purchase thresholds. Primary incentives are promotional financing offers (e.g., 0% APR for X months on qualifying purchases over a certain amount) and potential one-time first-purchase discounts. Offers are subject to specific terms and conditions, including making minimum payments on time to avoid deferred interest.
Max Cards Per Issuer: 5
Min Spend Interval: N/A for traditional bonus; promotional financing terms vary per offer (e.g., 6-24 months for 0% APR on qualifying purchases).
Cliff Effect Rules: Synchrony store cards generally operate independently without a 'card family' cliff effect. However, accumulating too many Synchrony cards or a very high total credit limit across them can lead to denials for new applications or credit line reductions on existing accounts due to overall credit exposure management.
Special Events: Major US holidays (e.g., Black Friday/Cyber Monday, Memorial Day, Labor Day, President's Day, 4th of July), seasonal sales (e.g., Spring sales, Back-to-School, End-of-Year clearance), specific appliance brand promotions, and retailer anniversary sales.
Holiday Promos: Winter Holidays (November-December), Spring/Summer Home Improvement Season (March-July), Back-to-School/Fall (August-October), and various long weekend holidays throughout the year.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy approval for financing large purchases; helpful promotional APRs; no annual fee.
Top Negative:
High deferred interest if not paid in full; limited acceptance to Synchrony HOME network; high regular APR; poor customer service experiences.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Discover it Cash Back
- Capital One Quicksilver
Card Value Score: 60.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v2024-01-01