SY
Synchrony

QCard®

Credit
$0 Annual Fee
29.99% Variable Purchase APR
580+ Recommended FICO
Browse Cards Synchrony QCard®

Benefits & Protections

BenefitCategoryValue / Coverage
Birthday Surprise
Cardholders receive a special treat or offer on their birthday.
Lifestyle
Dedicated Customer Service Line (Preferred Account)
Preferred Account cardholders have access to a dedicated customer service phone line.
Lifestyle
Zero Fraud Liability
Cardholders are not held responsible for unauthorized charges made with their QCard®.
Security
Easy Pay® Every Day
Allows cardholders to use Easy Pay® (installment payments) on virtually all purchases made with their QCard®.
Shopping
Exclusive Offers and Promotions
Throughout the year, cardholders receive special offers and promotions just for QCard® holders.
Shopping
Exclusive Preferred Offers and Promotions
Preferred Account cardholders receive additional special offers and promotions throughout the year.
Shopping
Free Standard Shipping (Preferred Account)
Cardholders with Preferred Account status (achieved by spending $1,000 or more in a calendar year) receive free standard shipping on their next purchase after qualifying.
Shopping Free standard shipping
VIP Early Access
Cardholders get early access to shop new products and collections before the general public.
Shopping

Interest Rates

Purchase APR29.99% Variable
Cash Advance APR29.99%
Penalty 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 are required.

Fees

Annual Fee $0 — No Annual Fee
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 7 cards from this issuer simultaneously.
Shutdown Risk Triggers
High cumulative credit limit across multiple Synchrony accounts, prolonged inactivity on the card, defaulting on other Synchrony accounts, or suspicious purchasing/return patterns (e.g., excessive returns).
Cliff Effect Rules
Not applicable; the QVC Credit Card is a standalone store card with no tiered benefits or upgrade paths that create 'cliff effects' within a card family.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Applicants must be 18 years or older, a US resident, and possess a valid Social Security Number. Approval typically requires fair to good credit, though Synchrony is known for approving applicants with a wider range of credit scores. The card often features a first-purchase discount (e.g., $10-$20 off) or special financing offers. Synchrony allows multiple store card approvals, but excessive recent applications or inquiries may impact approval odds. Rules for 2026 are projected to remain consistent with current Synchrony store card policies.
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+
Card TypeCredit
Online
Ask any doubts about cards.
Gemini 2.2 Ver