THE CARDTUNED DATABASE
BrandsMart Credit Card
Issuer: Synchrony
No ongoing rewards program; value is BrandsMart USA promotional financing.
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — closed-loop/store account
- Intro APR
- Six months deferred interest on select purchases over $180; 12 months on select TV/electronics purchases over $299; category-specific equal-payment offers may run longer
- Regular APR
- 34.99% purchase APR; 39.99% penalty APR; $2 minimum interest charge
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Six months deferred interest on select purchases over $180 or 12 months on select TV/electronics purchases over $299
- Spending requirement
- Over $180 for 6m; over $299 for 12m
- Time window
- 6 or 12 months
Offer last checked: 2026-09-09
Additional benefits
• Six months deferred interest on qualifying purchases over $180
• Twelve months deferred interest on qualifying purchases over $299
• Category-specific 36-, 48- or 60-month equal-payment offers
• Online and in-store account/payment access
• $0 fraud liability
Restrictions to know
Financing applies only to qualifying products and may be category- or model-specific. Purchases must satisfy the applicable threshold; deferred interest is charged from purchase date if not paid in full. Longer equal-payment campaigns require fixed payments.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff