SY
Synchrony

La-Z-Boy Credit Card

$0 Annual Fee
29.99% Variable Purchase APR
580+ Recommended FICO
Browse Cards Synchrony La-Z-Boy Credit Card

Rewards

CategoryRateTypeCap
All Purchases
The La-Z-Boy Credit Card is a deferred-interest promotional financing product issued by Synchrony Bank for furniture purchases at La-Z-Boy stores and does not earn rewards, points, miles, or cash back on purchases.
0x Cash Back No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
The La-Z-Boy Credit Card carries no annual fee.
Financial $0
Up to $0
Promotional Financing
Qualifying La-Z-Boy furniture purchases may be eligible for deferred-interest promotional financing, typically ranging from 12 to 60 months depending on the purchase amount and current promotional offers; interest is charged from the purchase date if the balance is not paid in full by the end of the promotional period.
Financial 12–60 months promotional financing
24/7 Customer Service
Synchrony Bank provides 24/7 customer service for cardholder account inquiries, payment assistance, and account management.
Other Complimentary
Online Account Management
Cardmembers can manage their account, view statements, make payments, and check balances online through the Synchrony Bank cardholder portal.
Other Complimentary
Zero Liability Protection
Cardmembers are not responsible for unauthorized purchases made with their account, subject to Synchrony Bank's zero liability policy and timely reporting requirements.
Security $0 liability
Up to $0

Interest Rates

Purchase APR29.99% Variable
Penalty APR29.99%
Min. Interest Charge$2
Deferred Interest Warning: Interest will be charged from the purchase date if the promotional balance is not paid in full by the end of the promotional period.

Approval & Eligibility

580 Recommended minimum FICO · Range 580–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyEasy
Credit ProfileFair
Approval OddsVery Good
Decision TimeInstant
Student EligibleYes
Co-ApplicantNot allowed
Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers
Application fraud or misrepresentation, using the card outside of authorized La-Z-Boy locations
International Friendly
May have limitations for international use.
Additional Issuer Rules
The La-Z-Boy Credit Card is a Synchrony Bank deferred-interest store financing card with no rewards program and no welcome bonus, so no bonus restrictions, 48-month clock rules, or card-family cliff effects apply. Synchrony does not enforce the same type of issuer-wide application velocity rules as major bank issuers, though applying for multiple Synchrony accounts in a short period can result in denials due to recent inquiry sensitivity. The card is usable only at La-Z-Boy stores and la-z-boy.com and does not function as a general-purpose credit card.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
Synchrony
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
APR 29.99% Variable
Quick Summary
Annual Fee Free
Min. FICO580+
Online
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