Synchrony

HSN Card

Credit 20 Points Bonus

$0 Annual Fee

29.99% Variable Purchase APR

20 Welcome Bonus

580+ Recommended FICO

Welcome Bonus

20 Points

Welcome Bonus

Spend $20

Bonus Posted Applied as a discount on the first qualifying purchase.

Rewards

Category	Rate	Type	Cap
HSN Purchases Earn 3 points per $1 spent on purchases at HSN (hsn.com and HSN TV); points are redeemable toward free shipping at HSN and do not have general cash redemption options.	3x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The HSN Credit Card does not charge an annual fee for card membership.	Financial	$0 annual fee Up to $0
Annual Birthday Offer Receive a special promotional offer or discount from HSN during your birthday month as an HSN Credit Card holder.	Lifestyle	Varies annually
Enhanced FlexPay Offers Access special promotions offering additional FlexPay installments (e.g., 4 or 5 payments instead of the standard 3) on thousands of specially marked items.	Shopping	Extended payment terms
Exclusive Cardmember Discounts & Promotions Unlock VIP savings, exclusive sales events, and special promotional offers available only to HSN Credit Card holders.	Shopping	Varies by offer
Universal FlexPay Eligibility Use HSN's FlexPay installment payment plan on all purchases made with your HSN Card, every day, for any item sold on HSN.	Shopping	N/A (Payment method feature)

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: On the date of purchase, we will assess interest on the purchase from the date of purchase. If you pay the purchase in full within the promotional period, we will waive the assessed interest. If you do not pay the purchase in full within the promotional period, you will be charged all of the interest that was assessed on the purchase from the date of purchase. Minimum monthly payments are required.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 4 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Synchrony accounts, sudden changes in spending patterns, payment defaults, excessive credit seeking, or opening too many Synchrony accounts in a short period.

Cliff Effect Rules

No explicit 'card family' rules like 5/24 or once-per-lifetime for Synchrony store cards. However, overall credit exposure across all Synchrony accounts (including other store cards) is a significant factor for new applications, credit limit increases, and potential account reviews. Approvals become more challenging with a high number of existing Synchrony accounts or a high total credit limit.

International Friendly

May have limitations for international use.

Additional Issuer Rules

As of 2026, the HSN Card, issued by Synchrony, is projected to maintain its core application and bonus structure. Eligibility typically requires U.S. residency, age 18+, a valid SSN/ITIN, and a credit profile ranging from fair to good. Synchrony is known for being more accessible for store card approvals compared to general-purpose credit cards. The common bonus structure for the HSN Card in 2026 is projected to be a percentage discount (e.g., 15-20%) on the first purchase made with the card, or a small statement credit after an initial purchase. Synchrony generally allows multiple store card approvals, but overall credit exposure is a key factor.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Synchrony

Annual Fee

Apply Now

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Welcome Bonus 20 Points

APR 29.99% Variable

More Synchrony Cards

HSN Card

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary