Z Gallerie Credit Card
Basic Information
Program ID: z-gallerie-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:42
Last Scraped: 01/15/2026 13:45
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts within 1-2 billing cycles (4-8 weeks) after the spending requirement is met.
Rewards Program
Reward Type: No Traditional Points/Cashback Program
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: The Z Gallerie Credit Card, issued by Synchrony, primarily offers special financing options on qualifying Z Gallerie purchases (e.g., 0% APR for 6-60 months) and an initial discount on the first purchase (e.g., 10-15% off). It does not feature an ongoing points or cashback rewards program for everyday spend or Z Gallerie purchases beyond these initial benefits and financing offers.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - The card does not offer an ongoing points or cashback program, therefore no points or rewards to expire.
Transfer Partners: N/A - The card does not offer a points program with transfer partners.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Z Gallerie Credit Card (issued by Synchrony) is expected to maintain its core eligibility and bonus structure. Eligibility typically requires applicants to be 18 years or older (19 in AL/NE), a U.S. resident with a valid SSN or ITIN, and possess a fair to good credit score (generally FICO 620+). Approval is also contingent on sufficient income and a review of the applicant's overall credit profile. Bonus rules commonly include a percentage discount on the first purchase (e.g., 10-20% off) or special promotional financing offers, such as deferred interest (0% APR for a set period like 6, 12, 24, or 36 months) on qualifying purchases, with interest accruing from the purchase date if the balance is not paid in full by the end of the promotional period.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: N/A for traditional sign-up bonus spend; first purchase discounts are immediate. Special financing offers are tied to purchase date, not a spend interval.
Shutdown Risk Triggers: Manufactured spending (less common for store cards but a general Synchrony trigger), high cumulative credit limit across multiple Synchrony accounts, excessive returns or abuse of return policies, repeated missed payments or high utilization on any Synchrony account, opening too many Synchrony accounts in a short period (application velocity), or significant negative changes to credit profile (e.g., bankruptcy, charge-offs).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Great for financing large furniture purchases; good discounts for loyal Z Gallerie shoppers; easy application process.
Top Negative Feedback:
High interest rates if promotional period is missed; limited use outside Z Gallerie; customer service can be slow.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Ashley Advantage Credit Card
- Lowe's Advantage Card
- Rooms To Go Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0