P.C. Richard & Son Credit Card Review: Rewards, Fees & Benefits

Rewards

Category	Rate	Type	Cap
All Purchases The P.C. Richard & Son Credit Card is a deferred-interest promotional financing product issued by Synchrony Bank for appliance, electronics, and home product purchases at P.C. Richard & Son stores and does not earn rewards, points, miles, or cash back on purchases.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
12 Months Special Financing No interest will be charged on qualifying purchases of $499 or more if the promotional purchase amount is paid in full within 12 months. If not, interest will be charged from the purchase date.	Financing	12 Months Up to $499
18 Months Special Financing No interest will be charged on qualifying purchases of $999 or more if the promotional purchase amount is paid in full within 18 months. If not, interest will be charged from the purchase date.	Financing	18 Months Up to $999
24 Months Special Financing No interest will be charged on qualifying purchases of $1499 or more if the promotional purchase amount is paid in full within 24 months. If not, interest will be charged from the purchase date.	Financing	24 Months Up to $1,499
36 Months Special Financing No interest will be charged on qualifying purchases of $1999 or more if the promotional purchase amount is paid in full within 36 months. If not, interest will be charged from the purchase date.	Financing	36 Months Up to $1,999
48 Months Special Financing No interest will be charged on qualifying purchases of $2999 or more if the promotional purchase amount is paid in full within 48 months. If not, interest will be charged from the purchase date.	Financing	48 Months Up to $2,999
60 Months Special Financing No interest will be charged on qualifying purchases of $3999 or more if the promotional purchase amount is paid in full within 60 months. If not, interest will be charged from the purchase date.	Financing	60 Months Up to $3,999
Exclusive Cardholder Offers Cardholders receive access to special promotions and exclusive offers.	Shopping	—
No Annual Fee The P.C. Richard & Son Credit Card does not charge an annual fee.	Shopping	—

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Issuer Rules & Restrictions

Shutdown Risk Triggers

Excessive cash advances, application fraud or misrepresentation, using the card outside of authorized P.C. Richard & Son locations

International Friendly

May have limitations for international use.

Additional Issuer Rules

The P.C. Richard & Son Credit Card is a Synchrony Bank deferred-interest store financing card with no rewards program and no welcome bonus, so no bonus restrictions or 48-month clock rules apply. Synchrony does not enforce the same type of issuer-wide application velocity rules as major bank issuers like Chase or Citi, though applying for multiple Synchrony accounts in a short period can result in denials. The card is usable only at P.C. Richard & Son stores and pcrichard.com and is not accepted 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.

P.C. Richard & Son Credit Card