Value City Furniture Mastercard®

Synchrony Mastercard Pending

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4

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: value-city-furniture-mastercard

Issuer: Synchrony

Card Name: Value City Furniture Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:55

Last Scraped: Feb 17, 2026 10:57

Apply URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Value City Furniture Purchases 2x Cash Back Purchases made at Value City Furniture. No Cap
All Other Purchases 1x Cash Back Purchases made everywhere else Mastercard is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 2x

Categories: Gas, Groceries

Quarterly Rotating: No

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
$0

Cardholders are not charged an annual fee for maintaining the credit card account.

Lifestyle 1
Online Account Management

Cardholders have the ability to manage their credit card account online, including viewing statements, making payments, and checking balances.

Shopping 2
Special Financing Offers
Varies by offer

Cardholders can access special financing promotions on qualifying purchases made at Value City Furniture.

Mastercard Acceptance

The Value City Furniture Mastercard can be used for everyday purchases at any merchant that accepts Mastercard, not just Value City Furniture.

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
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
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.
Approval Criteria & Requirements
No Approval Criteria Available

Click "Get Data" button below to fetch approval criteria.

Issuer Rules & Policies
PENDING

Rules: The Value City Furniture Mastercard, issued by Synchrony Bank, primarily offers special promotional financing on qualifying purchases made at Value City Furniture. Eligibility requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to credit approval by Synchrony Bank. Applications are typically processed online, in-store, or via phone, often with instant credit decisions. The main 'bonus' is deferred interest promotional financing (e.g., 0% APR for 6, 12, 24, or 36 months) on specific purchases, provided the full promotional balance is paid by the end of the period. Standard purchase APR applies if the promotional terms are not met. Cardholders may also receive exclusive discounts or early access to sales events.

Max Cards Per Issuer: 6

Min Spend Interval: Not applicable for traditional bonus spend; benefits are tied to promotional financing on specific purchases at Value City Furniture.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts relative to reported income, excessive credit seeking (numerous applications in a short period), missed or late payments on any Synchrony account, suspicious activity or suspected fraud, breach of cardholder agreement terms, or significant negative changes in credit profile.

Cliff Effect Rules: Not applicable; this is a standalone store-specific co-branded Mastercard and does not belong to a broader card family with inter-card restrictions.

Special Events: Seasonal sales events (e.g., Spring Sale, Summer Savings, Fall Refresh), holiday-specific promotions (e.g., Memorial Day, Labor Day, Black Friday), anniversary sales for Value City Furniture, exclusive cardholder-only events or early access to sales, and special financing offers tied to specific product categories or minimum purchase amounts.

Holiday Promos: New Year's Day/President's Day (January/February), Memorial Day (May), Independence Day (July), Labor Day (September), Black Friday/Cyber Monday (November), Christmas/Year-End Sales (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Access to special financing offers (0% APR for extended periods) for large furniture purchases; ability to use the card outside of Value City Furniture as a Mastercard; no annual fee.

Top Negative:
High deferred interest if promotional balance isn't paid in full; high standard APR (often 29.99%); customer service issues with Synchrony Bank; low initial credit limits for some users.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Synchrony HOME Credit Card
  • Capital One SavorOne Rewards Credit Card
  • Petal® 2 Visa® Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0