THE CARDTUNED DATABASE
HSN Credit Card
Issuer: Synchrony
No traditional rewards rate; ExtraFlex, VIP financing, birthday and anniversary offers, and HSN/QVC shopping perks
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — closed-loop/store account
- Intro APR
- Deferred-interest VIP financing: 12 months on qualifying items from $369 to $548.99; 18 months on qualifying items of $549 or more
- Regular APR
- Variable purchase APR; exact current rate is disclosed in the live application and card agreement.
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
$25 off an eligible HSN purchase when opening a new HSN Card
- Spending requirement
- Eligible purchase made with the new HSN Card
- Time window
- At account opening / first eligible purchase
Offer last checked: 2026-09-09
Additional benefits
• $25 off an eligible purchase when opening a new HSN Card
• One additional FlexPay on eligible items under $369
• 12- or 18-month VIP financing on qualifying items
• Birthday surprise and annual anniversary offer
• Five Easy Pays on eligible QVC purchases
Restrictions to know
The new-account discount is subject to approval and coupon/channel terms. VIP financing is deferred interest: interest accrues from purchase date unless the entire promotional balance, including tax and shipping, is paid by the deadline. FlexPay, ExtraFlex and Easy Pay use standard account interest and cannot be combined with VIP financing on the same item. Gift cards, later Auto-Ship deliveries and HSN+/QVC+ purchases may be excluded.
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