Vevano Home Credit Card
Basic Information
Program ID: vevano-home-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:41
Last Scraped: 01/15/2026 13:42
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,699.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $2,000.00
Time Period: 180 days
Bonus Timing: Statement credit typically applied within 1-2 billing cycles after meeting the spending requirement.
Rewards Program
Reward Type: Statement Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on Vevano Home purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards do not expire as long as the account is active and in good standing.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
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: Application Eligibility: Applicants must be 18 years or older (19 in AL/NE), a U.S. resident with a valid SSN or ITIN, and meet Synchrony's creditworthiness criteria. Approval is subject to credit history review, and existing Synchrony account history and recent credit inquiries may influence the decision. Bonus Rule: The primary 'bonus' for the Vevano Home Credit Card typically involves promotional financing offers (e.g., 0% APR for X months on qualifying Vevano Home purchases over a specified minimum amount) or a one-time discount on the first Vevano Home purchase (e.g., 10% off). Specific terms and minimum purchase requirements apply to these offers.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A for traditional spend bonus; immediate for first purchase discount.
Shutdown Risk Triggers: Manufactured spending (less common for store cards), high cumulative credit limit across all Synchrony accounts, excessive recent credit applications, abuse of promotional financing terms, repeated late payments, prolonged account inactivity, and any breach of terms and conditions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Excellent for financing large home improvement projects; offers flexible payment options; easy to apply for in-store.
Top Negative Feedback:
High interest rates after promotional periods; limited utility outside Vevano Home; customer service can be inconsistent.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Synchrony HOME Credit Card
- Home Depot Consumer Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $250.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 70.0%
Terms Version Control
Version ID: v1.0
Last Updated: 10/26/2023 00:00