Value City Furniture Credit Card
Basic Information
Program ID: value-city-furniture-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:53
Last Scraped: 01/15/2026 13:55
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT Duration: 0 months
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $299.00
Time Period: 90 days
Bonus Timing: Applied instantly at checkout on qualifying first purchase.
Rewards Program
Reward Type: Store-Specific Benefits & Financing
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special financing offers and exclusive discounts on Value City Furniture purchases. This card does not offer a points-based rewards program.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Benefits are typically applied at the time of purchase (e.g., financing terms, discounts). Any promotional credits or offers may have specific expiration dates as detailed in the offer terms.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Value City Furniture Credit Card, issued by Synchrony, primarily offers special promotional financing on qualifying purchases made at Value City Furniture and American Signature Furniture locations. Eligibility requirements for 2026 are expected to remain consistent with standard Synchrony criteria: applicants must be at least 18 years old (19 in AL/NE), a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate sufficient income and an acceptable credit history. There is no traditional sign-up bonus with a spend requirement. Benefits are centered around deferred interest promotional financing (e.g., 0% APR for X months) on purchases meeting specific minimums, with interest accruing from the purchase date if the balance is not paid in full by the end of the promotional period. Cardholders may also receive exclusive discounts or early access to sales.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A for traditional sign-up bonus. Promotional financing offers require qualifying purchases within the specific promotional period, typically at the time of purchase.
Shutdown Risk Triggers: High credit utilization across Synchrony accounts, missed or late payments, excessive credit inquiries within a short period, significant adverse changes in credit profile (e.g., bankruptcy), suspected fraudulent activity, or exceeding Synchrony's internal cumulative credit limit thresholds across all Synchrony-issued products.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Flexible financing options for large purchases; special promotional offers and discounts for Value City Furniture; easy application process and quick approval.
Top Negative Feedback:
High interest rates after promotional periods; limited utility outside of Value City Furniture; customer service can be difficult to reach or unhelpful; frequent unsolicited credit limit increases.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Wells Fargo Active Cash Card
- Ashley Furniture Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: 03/2024
Last Updated: 03/01/2024 00:00