Synchrony

Synchrony Project Card

Credit

$0 Annual Fee

See terms Purchase APR

580+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Purchases The Synchrony Project Card is a deferred-interest promotional financing product issued by Synchrony Bank for home improvement and project purchases at participating retailers and does not earn rewards, points, miles, or cash back on purchases.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Online Account Management Access to an online portal for managing your Synchrony Project Card account, viewing statements, and making payments securely.	Account Management	—
No Annual Fee The Synchrony Project Card does not charge an annual fee, providing savings to cardholders annually.	Financial Savings	No annual fee Up to $0
Convenient Monthly Payments Ability to make convenient monthly payments, helping cardholders manage project costs over time.	Financing	—
Special Financing Options Access to special financing options, such as deferred interest or promotional APR periods, for qualifying purchases made with the Synchrony Project Card. Specific terms and availability depend on the merchant and promotional offers.	Financing	Varies by promotion and merchant
Nationwide Acceptance The Synchrony Project Card is accepted at thousands of participating merchant locations across the United States, providing cardholders with a wide range of options for their project purchases.	Shopping	Thousands of locations nationwide

Fees

Annual Fee $0 — No Annual Fee

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

Issuer Rules & Restrictions

Maximum Cards per Issuer

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

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Synchrony accounts, sudden and uncharacteristic large purchases, missed or late payments, excessive credit limit increase requests, rapid application for multiple Synchrony cards in a short period, and high utilization on Synchrony-issued cards.

Cliff Effect Rules

Synchrony does not typically enforce 'cliff effect' rules in the same manner as some prime issuers (e.g., Chase's 5/24 or Amex's once-per-lifetime bonus). Each co-branded card is generally treated as a distinct product. However, applying for too many Synchrony cards in a short timeframe, or accumulating a very high total credit limit across Synchrony products, may lead to application denials or account reviews due to perceived credit risk.

International Friendly

May have limitations for international use.

Additional Issuer Rules

For the 'synchrony-project-card' in 2026, Synchrony Bank's application rules prioritize creditworthiness, income, and existing debt. Eligibility typically requires a good to excellent credit score (FICO 670+ for prime co-branded cards, potentially FICO 620+ for store-specific versions), a favorable debt-to-income ratio, and a manageable history of recent credit inquiries. Bonus rules, including minimum spend requirements and associated rewards, are highly specific to the card's terms and conditions, generally requiring a spending threshold to be met within the first 3-6 months of account opening. Applicants must meet the specific income and credit history requirements detailed for this card.

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

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