THE CARDTUNED DATABASE
Furniture Row Credit Card
Issuer: Synchrony · Network: Not Public
No traditional rewards; promotional financing on qualifying Furniture Row purchases
- Annual fee
- $0
- Foreign transaction fee
- Not publicly disclosed; see live application terms
- Intro APR
- 0% APR for 48 months; 12/24-month deferred-interest options on $350/$700+, purchases 9/29–10/22/26
- Regular APR
- 34.99% purchase APR for new accounts as of 2025-07-31
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
0% APR for 48 months; 12/24-month deferred-interest options on $350/$700+, purchases 9/29–10/22/26
- Spending requirement
- 48-month plan: no minimum; 12-month: $350+; 24-month: $700+
- Time window
- Purchases 2026-09-29 through 2026-10-22
- Published end date
- 2026-10-22
Offer last checked: 2026-09-30
Additional benefits
• 0% APR for 48 months on eligible purchases made September 29–October 22, 2026; no minimum purchase and equal monthly payments
• 12-month deferred-interest financing on $350+ or 24-month financing on $700+ purchases
• Deferred interest is charged from purchase date if the promotional balance is not paid in full
• Taxes and delivery require another payment method under the applicable plan
Restrictions to know
Purchases must be made September 29–October 22, 2026 on one receipt. 48-month 0% APR has no minimum purchase and requires equal monthly payments; taxes and delivery must be paid using another payment method. 12/24-month options require $350/$700+ and minimum monthly payments; interest accrues from purchase date if not paid in full by the promotional deadline. Minimum payments may not pay the balance in full. Subject to credit approval.
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