THE CARDTUNED DATABASE
My Bob's Credit Card
Issuer: Synchrony
No ongoing rewards program; value is My Bob’s promotional financing.
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — closed-loop/store account
- Intro APR
- Deferred interest: 6 months on $249+ or 12 months on $499+; 9.99% APR: 30 months on $1,499+ or 60 months on $1,999+
- 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 or 12 months deferred interest, or 9.99% APR for 30 or 60 months
- Spending requirement
- $249+/$499+ deferred; $1,499+/$1,999+ reduced APR
- Time window
- 6, 12, 30 or 60 months
Offer last checked: 2026-09-09
Additional benefits
• Six months deferred interest on qualifying $249+ purchases
• Twelve months deferred interest on qualifying $499+ purchases
• 9.99% APR for 30 months on $1,499+
• 9.99% APR for 60 months on $1,999+
• Immediate access to approved credit
Restrictions to know
Qualifying purchase must be on one receipt. Deferred interest is charged from purchase date if not paid in full by the deadline. The 30- and 60-month offers require fixed monthly payments. My Bob’s no-credit lease options are separate products, not this credit card.
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