White House Black Market Credit Card Review: Rewards, Fees & Benefits

Rewards

Reward TypeStore Credit

Base Rate2x / 2%

Point Value~0.01¢ each

Travel Portal1x

ExpirationPoints expire 12 months from the date they are earned. Rewards expire 90 days from the date they are issued.

Redemption NotesRewards are not redeemable for cash or gift cards, or for purchases of previously purchased merchandise. Rewards cannot be combined with other offers or discounts unless otherwise stated. Rewards cannot be used on prior purchases.

Category	Rate	Type	Cap
All Other Purchases Purchases at WHBM boutiques, outlets, and whbm.com (Earn 1 point per $1 spent, 100 points = $5 Reward)	5x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Birthday Reward Receive a special reward during your birthday month. Specific reward details are exclusive to WHBM Credit Card holders and may vary.	Lifestyle	Varies
Early Access to Sales Gain early access to sales events before the general public. This benefit is exclusive to WHBM Credit Card holders.	Shopping	—
Exclusive Cardholder Offers Access to exclusive offers available only to WHBM Credit Card holders. Specific offers vary and are subject to change.	Shopping	Varies
First Purchase Discount Get 20% off your first purchase when you open and use a WHBM Credit Card. Subject to credit approval. Cannot be combined with other offers, except as permitted by WHBM. Not valid on previously purchased merchandise, gift cards, or taxes. Offer is exclusive to WHBM Credit Card holders.	Shopping	20% Off
Free Standard Shipping Receive free standard shipping on all purchases made with your WHBM Credit Card. Valid on WHBM Credit Card purchases only. Offer is exclusive to WHBM Credit Card holders.	Shopping	Free

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: If your promotional purchase is subject to a deferred interest promotion, interest will be imposed on the promotional purchase from the date of purchase at the Purchase APR if you do not pay the promotional purchase in full by the end of the promotional period. To avoid interest, you must pay the promotional purchase in full by the end of the promotional period. If you do not, all of the deferred interest will be added to your account balance. Minimum monthly payments are required. See your promotional offer for details.

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 580–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Pre-QualificationNot available

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 10 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (less common for store cards but still a general risk), excessive returns, abuse of promotional offers, high cumulative credit limit across all Synchrony accounts, multiple late payments or defaults on any Synchrony account, rapid application for numerous Synchrony cards, and suspected fraudulent activity.

Cliff Effect Rules

Synchrony store cards generally operate independently. While there isn't a direct 'cliff effect' like major bank travel card families, having a high number of Synchrony accounts or a significant cumulative credit limit across them can impact approval for new Synchrony cards due to overall credit exposure and internal risk assessment.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility: Applicants for the WHBM Credit Card must be 18 years or older, a U.S. resident with a valid Social Security Number or ITIN. Approval is subject to creditworthiness, with Synchrony often approving applicants with fair to good credit for store cards. Existing Synchrony account history and recent inquiries may influence approval. Bonus Rule (2026 Projection): New cardholders typically receive an initial discount (e.g., 20% off first purchase) upon approval. Ongoing rewards include points per dollar spent at WHBM, exclusive cardholder discounts, and birthday offers. Specific bonus offers may vary annually. Application Rules (2026 Projection): Synchrony generally allows multiple store card approvals, though new applications within a short timeframe (e.g., 30-90 days) may face increased scrutiny or lower initial credit limits. There is no strict '5/24' equivalent, but overall credit exposure with Synchrony and recent credit inquiries across all lenders will be considered.

Military & Hardship

MLA Compliant

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

Hardship Program

Hardship program available.

White House Black Market Credit Card