Floor & Decor Credit Card Review: Rewards, Fees & Benefits

Rewards

Category	Rate	Type	Cap
All Purchases The Floor & Decor Credit Card is a deferred-interest promotional financing product issued by Synchrony Bank for flooring, tile, and décor purchases at Floor & Decor stores and does not earn rewards, points, miles, or cash back on purchases.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Convenient Monthly Payments Cardholders can make convenient monthly payments on their Floor & Decor Credit Card account.	Account Management	—
Easy Online Account Management Cardholders can easily manage their Floor & Decor Credit Card account online, including viewing statements and making payments.	Account Management	—
No Annual Fee The Floor & Decor Credit Card has no annual fee.	Financial	$0 Up to $0
12 Months Special Financing No interest if paid in full within 12 months on purchases of $999 or more. 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.	Shopping	12 Months Special Financing on purchases of $999+
24 Months Special Financing No interest if paid in full within 24 months on purchases of $1,999 or more. 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.	Shopping	24 Months Special Financing on purchases of $1,999+
36 Months Special Financing No interest if paid in full within 36 months on purchases of $2,999 or more. 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.	Shopping	36 Months Special Financing on purchases of $2,999+
48 Months Special Financing No interest if paid in full within 48 months on purchases of $3,999 or more. 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.	Shopping	48 Months Special Financing on purchases of $3,999+
6 Months Special Financing No interest if paid in full within 6 months on purchases of $299 or more. 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.	Shopping	6 Months Special Financing on purchases of $299+
60 Months Special Financing No interest if paid in full within 60 months on purchases of $4,999 or more. 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.	Shopping	60 Months Special Financing on purchases of $4,999+

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 required. See store for details.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

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 DifficultyModerate

Credit ProfileFair

Approval OddsFair

Decision TimeInstant

Pre-QualificationNot available

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 7 cards from this issuer simultaneously.

Shutdown Risk Triggers

Common triggers include: missed payments, high credit utilization across Synchrony accounts, suspected fraudulent activity, rapid application for multiple Synchrony cards in a short period (even if approved, can flag for review), significant changes in credit profile (e.g., bankruptcy, significant score drop), and breach of cardholder agreement terms. Manufactured spending is less relevant for a store-specific card.

Cliff Effect Rules

Not applicable. Synchrony store cards, including the Floor & Decor Credit Card, generally operate independently. There are no 'card family' restrictions or bonus eligibility limitations based on holding other Synchrony store cards, unlike general-purpose credit cards from other major issuers.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility requires applicants to be 18 years or older, a US resident with a valid SSN or ITIN, and possess a good to excellent credit history. Approval is subject to Synchrony's credit underwriting standards. The primary 'bonus rule' for the Floor & Decor Credit Card typically involves promotional financing offers, such as 0% APR for a specified period on qualifying purchases (e.g., 6, 12, 18, or 24 months on purchases over a certain threshold). Initial sign-up bonuses, if offered, are usually a small percentage discount on the first purchase or a statement credit after the first use. Application rules allow for multiple Synchrony store cards, though overall credit exposure and recent application history with Synchrony will influence approval for additional cards.

Military & Hardship

MLA Compliant

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

Hardship Program

Hardship program available.

Floor & Decor Credit Card