12
Benefits0
Reward Categories—
Max Reward32%
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) 12 Total
PENDINGFinancial 9
No Annual Fee
N/ACardholders are not charged an annual fee for maintaining the credit card account.
Convenient Monthly Payments
N/AProvides cardholders with the ability to make manageable monthly payments on their purchases.
6 Months Special Financing
6 months on purchases of $199 or moreNo interest if paid in full within 6 months on purchases of $199 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required.
12 Months Special Financing
12 months on purchases of $499 or moreNo interest if paid in full within 12 months on purchases of $499 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Minimum monthly payments required.
24 Months Special Financing
24 months on purchases of $999 or moreNo interest if paid in full within 24 months on purchases of $999 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 24 months. Minimum monthly payments required.
36 Months Special Financing
36 months on purchases of $1499 or moreNo interest if paid in full within 36 months on purchases of $1499 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 36 months. Minimum monthly payments required.
48 Months Special Financing
48 months on purchases of $1999 or moreNo interest if paid in full within 48 months on purchases of $1999 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 48 months. Minimum monthly payments required.
60 Months Special Financing
60 months on purchases of $2499 or moreNo interest if paid in full within 60 months on purchases of $2499 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 60 months. Minimum monthly payments required.
72 Months Special Financing
72 months on purchases of $2999 or moreNo interest if paid in full within 72 months on purchases of $2999 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 72 months. Minimum monthly payments required.
Security 1
Online Account Management
N/ACardholders can manage their account online, including viewing statements, making payments, and updating information.
Shopping 2
Exclusive Cardholder Offers
Varies by offerCardholders receive special promotions, discounts, or deals available only to them.
Synchrony HOME Network Acceptance
N/AThe Woodwind & Brasswind Platinum Card is accepted for purchases at all participating Synchrony HOME retail locations.
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 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 31.99% - 31.99%
Intro APR Offers
Promo Financing: Special Financing
Promo Duration: 6 months
Approval Criteria & Requirements
No Approval Criteria Available
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Issuer Rules & Policies
PENDINGRules: Eligibility for the Woodwind & Brasswind Platinum Card in 2026 requires the applicant to be 18 years or older (19+ in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's credit underwriting standards. The primary 'bonus' for this store card is typically an introductory discount on the first purchase made with the card (e.g., 10-15% off) or special deferred interest financing offers (e.g., 0% APR for 6, 12, or 18 months on qualifying purchases over a certain amount). These offers are subject to change annually and are usually tied to immediate purchases rather than a cumulative spend over time.
Max Cards Per Issuer: 7
Min Spend Interval: Not applicable for a traditional sign-up bonus. Benefits like introductory discounts or deferred financing are typically applied to qualifying purchases made at the time of account opening or within a short promotional window, rather than requiring a cumulative spend over a period.
Cliff Effect Rules: No known card family or 'cliff effect' rules apply to Synchrony store-specific credit cards. Each store card is evaluated and managed independently.
Special Events: Cardholder-exclusive sales events, special financing promotions during peak shopping seasons, anniversary sales, and potential double points days (if a rewards program is active).
Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season (November-December), Back-to-School (July-August), Memorial Day, Labor Day, and other major retail holidays.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy approval for store-specific financing, useful for large purchases with deferred interest options, occasional store discounts.
Top Negative:
High regular APR, deferred interest can be costly if not paid in full, limited use outside the store, reports of poor customer service.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Sweetwater Card
- Guitar Center Gear Card
- PayPal Credit
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: SYF-HOME-AGMT-0124