THE CARDTUNED DATABASE
Floor & Decor Credit Card
Issuer: Synchrony
No ongoing rewards program; value is the first-purchase discount and promotional financing.
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — closed-loop/store account
- Intro APR
- Six, 12 or 18 months deferred interest on qualifying purchases, or 6.99% APR for 48 months on $2,500+
- Regular APR
- Published consumer disclosure dated 2025-07-31: purchase APR 34.99%, penalty APR 39.99%, minimum interest $2; verify current application.
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
15% off first $299+ purchase, up to $200 (new accounts through 12/31/26)
- Spending requirement
- $299+ after discount, single receipt
- Time window
- 2026-09-04 through 2026-12-31
- Published end date
- 2026-12-31
Offer last checked: 2026-09-29
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 15% | New cardholders receive 15% off one qualifying first purchase, up to $200. |
Additional benefits
• New-account first-purchase discount: 15% off, up to $200, on a qualifying $299+ single-receipt purchase after discount through 2026-12-31
• Deferred interest: 6 months on $299+, 12 months on $999+, or 18 months on $1,999+
• 6.99% APR for 48 months on $2,500+
• Minimum monthly payments required; deferred interest applies from purchase date unless paid in full
• Consumer card, separate from PRO credit
Restrictions to know
New consumer accounts: one qualifying first purchase of $299+ after discount through 2026-12-31; 15% discount capped at $200 and once per account. Financing has separate minimums; minimum payments may not pay off deferred-interest purchases in time. Check current application pricing.
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