THE CARDTUNED DATABASE
Rooms To Go Credit Card
Issuer: Synchrony
No ongoing rewards program; value is Rooms To Go promotional financing.
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — closed-loop/store account
- Intro APR
- Interest-free financing for 18/24/36/55 months; purchases through 10/12/26; equal payments
- Regular APR
- New-account purchase APR disclosure: 34.99% as of 2025-07-31; penalty APR 39.99%; minimum interest $2. Current pricing may vary; existing cardholders should check their 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
Interest-free financing for 18/24/36/55 months; purchases through 10/12/26; equal payments
- Spending requirement
- 55 months: $1,875+; 36 months: $1,499.99+; 24 months: $999+; 18 months: no listed minimum
- Time window
- Purchases through 2026-10-12
- Published end date
- 2026-10-12
Offer last checked: 2026-09-30
Additional benefits
• Interest-free equal-payment financing for purchases through October 12, 2026
• 55 months on $1,875+; 36 months on $1,499.99+; 24 months on $999+; 18 months with no listed minimum
• Down payment requirements vary by plan; tax/delivery may require another payment method
• Dedicated Rooms To Go credit line
Restrictions to know
Purchase deadline October 12, 2026. 55-month option requires $1,875+ and may require up to 20% down payment via another payment method; qualifying merchandise amount is calculated before discount, tax, delivery or down payment. 36-month option requires $1,499.99+ and separate payment of tax/delivery. 24-month option requires $999+; 18/24-month options advertise no down payment. Single-receipt and credit-approval requirements apply. No interest on amount financed with equal monthly payments until paid in full; regular account terms apply to non-promo balances. The published 34.99% new-account purchase APR is explicitly dated July 31, 2025.
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