THE CARDTUNED DATABASE
Synchrony Luxury Credit Card
Issuer: Synchrony
No ongoing points or cash-back program; value is promotional financing at participating luxury retailers.
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — Synchrony Luxury participating-retailer account
- Intro APR
- Promotional financing terms vary by participating luxury retailer and purchase.
- 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
Retailer-specific promotional financing may be available at participating Synchrony Luxury merchants
- Spending requirement
- Varies by retailer
- Time window
- Varies by retailer
Offer last checked: 2026-09-09
Additional benefits
• Promotional financing at participating luxury retailers
• Dedicated revolving credit line
• Free access to the cardholder credit score
• 24/7 online account access
• $0 fraud liability
Restrictions to know
Acceptance and financing are limited to participating Synchrony Luxury retailers. Available terms, spend thresholds and payment structure vary by retailer and purchase; the specific merchant disclosure controls.
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