York® Credit Card

Synchrony Pending

Back Apply Now

3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: york-credit-card

Issuer: Synchrony

Card Name: York® Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 16:45

Last Scraped: Feb 17, 2026 16:47

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers Servicemembers Civil Relief Act (SCRA) benefits, including an interest rate reduction to 6% on certain pre-service obligations for eligible Servicemembers.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Account Management 2
Convenient Monthly Payments

Ability to make convenient monthly payments for purchases made with the YORK® credit card.

Online Account Management

Access to an online portal to manage the YORK® credit card account, including paying bills, viewing statements, and more.

Shopping 1
Special Financing Offers
Varies by offer

Access to special financing offers with approved credit, allowing cardholders to manage the cost of their home comfort system purchases over time.

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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 60 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: New cardholders for the york-credit-card may receive a 15% discount on their first purchase made within 30 days of account opening, up to a maximum discount of $100, or a $50 statement credit after spending $250 within the first 90 days. Eligibility requirements include being 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to creditworthiness, typically requiring good to excellent credit, though some applicants with fair credit may be approved based on overall financial profile. Store-specific restrictions apply regarding where the card can be used and for what purchases.

Max Cards Per Issuer: 7

Min Spend Interval: 90 days

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (multiple Synchrony applications in a short period), high cumulative credit limit across all Synchrony accounts, prolonged account inactivity, late payments or defaults on any Synchrony-issued card, and abuse of promotional financing offers.

Cliff Effect Rules: Synchrony does not have strict 'card family' rules like some other issuers. However, your overall credit exposure and payment history across *all* Synchrony-issued cards are considered when evaluating new applications or credit limit increases. Opening too many Synchrony accounts in a short period or having a very high cumulative credit limit across Synchrony cards can negatively impact future approvals.

Special Events: Exclusive cardholder-only discounts, double points/cashback days on specific categories or dates, special financing offers (e.g., 0% APR for 6-24 months on qualifying purchases), and early access to sales events.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Mother's Day, Father's Day, Back-to-School, and seasonal clearance events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Convenient financing for large HVAC purchases; Easy application process; Helpful promotional offers.

Top Negative:
High interest rates after promotional period; Customer service can be difficult; Limited acceptance outside York.

Approval Experience: 78.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Lowe's Advantage Card
  • Citi Custom Cash Card

Card Value Score: 82.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: May 15, 2024 00:00