THE CARDTUNED DATABASE
Chico's credit card
Issuer: Synchrony · Network: Varies
7.5 points per $1 on qualifying Chico’s purchases; Mastercard earns 2 points per $1 at eligible grocery stores and restaurants and 1 point per $1 elsewhere; 1,000 points = $10 reward
- Annual fee
- $0
- Foreign transaction fee
- $0 on Mastercard version; not applicable to private-label version
- Intro APR
- No public introductory APR listed; verify the live application.
- Regular APR
- 29.62% variable purchase APR as of 2026-01-01; 39.99% penalty APR
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
20% off the first eligible Chico’s purchase when approved immediately; applicants approved later receive a 15% coupon
- Spending requirement
- First eligible Chico’s purchase
- Time window
- Approval day in store; 48 hours online
Offer last checked: 2026-09-09
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 7.5 points | per $1 on qualifying Chico’s purchases |
Additional benefits
• Mastercard earns 2% at eligible grocery stores and restaurants
• 1,000 points converts to a $10 reward
• Free standard shipping with no minimum
Restrictions to know
Immediate approvals receive 20% off; later approvals receive a 15% coupon. In-store discount must be used on approval day; online code is valid for 48 hours. Gift cards, third-party and clearance merchandise are excluded. Outside-brand rewards and acceptance require the Mastercard version.
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