No Interest if Paid in Full Within 6 or 12 Months*
On purchases of $200 – $799.99 for 6 months or $800 and greater for 12 months made with the Synchrony Luxury Credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required
SEE IF YOU PREQUALIFY
Get a decision in seconds with no
impact to your credit bureau score
Seeing if you Prequalify is quick, easy, and secure
Quickly and easily check if you prequalify for credit without impacting your credit bureau score.
2. Prequalification Decision
You'll get an instant prequalification decision after you complete your request.
3. Accept & Apply
If prequalified, accept and apply for the credit card.
If you're approved, we'll send you a temporary account number and you can start shopping right away.
Frequently Asked Questions
What happens if I don't qualify for the initial financing offer?
If you do not qualify for the initial financing offer, you may be presented with subsequent opportunities by another financing provider that can be used to complete the purchase (which may be subject to credit approval). Two Birch works with multiple financing providers to present you with financing solutions that best fit your needs. Once you agree to the terms and accept the offer, you can use the payment solution that you choose to complete your purchase (subject to credit availability). If you decline any opportunity presented, you will be brought back to the checkout process where you can proceed with your order using a different form of payment
Which providers may present a financing offer when I apply?
Two Birch works with multiple financing providers. Synchrony is the primary lender and they are the bank behind the primary offer presented. If you are not approved for this offer, you may be presented additional opportunities from the other providers, which may be subject to credit approval.
How do I pay my bill?
Each financing provider has their own payment process. See card or terms for details. All payments are made to the issuing provider of the offer you select.
Pay Online: Register your account at mysynchrony.com and log in to easily manage and pay your bill. Pay By Phone:Contact Synchrony Bank Customer Service during business hours at 1-844-335-5909.
Monday - Friday 7:30 AM - 12:00AM ET
Saturday 10:00 AM - 7:00PM ET
Sunday - Closed.
Pay By Phone: To ensure your payment is on time, mail in advance of the payment due date. Send payment to:
P.O. Box 960061
Orlando, FL 32896-0061
There may be an additional fee to make an expedited payment by phone
Pay By Mail: To ensure your payment is on time, mail in advance of the payment due date. Send payment to:
P.O. Box 960061
Orlando, FL 32896-0061
Genesis Credit® Accounts:
To manage your Genesis Credit® Account or for more information, please click here
Easily access lease account information online at customer.acima.com or call us at 801-297-1982. During the lease origination process, you agree to make payments automatically using the bank account or card provided in your application.
What is prequalification?
By providing information and checking if you prequalify, you can get a sense of whether you'll be approved for the credit card. Merely checking to see if you prequalify will not impact your credit bureau score.
Will checking to see if I prequalify impact my credit bureau score?
No. There is no impact to your credit bureau score when you submit a prequalification check. However, if you do prequalify and then proceed with applying for the credit card, a hard inquiry will be required, which may impact your credit bureau score.
Is there a limit on the number of attempts to prequalify?
Yes. You are limited to 4 attempts per day. After your 4th attempt to prequalify, any further requests will not be accepted for the remainder of that day.
I prequalified. What should I do next?
You can submit an application for the Synchrony Luxury Credit Card without needing to input any additional information. Note that submitting a credit card application may impact your credit bureau score.
Is prequalification the same as being approved?
No, if you prequalify it does not guarantee that you will be approved when you apply for the credit card, but it can help you get a sense of whether you’ll be approved for the credit card.
I did not prequalify. Can I still apply for the Synchrony Luxury Credit Card?
Yes. You may still apply for the card. Note that submitting a credit card application may impact your credit bureau score.
Why was my credit card application declined even after I was told I prequalify?
Prequalification does not guarantee that you will be approved when you apply for the credit card, but it can help you get a sense of whether you’ll be approved. As such, your credit card application may still be declined after you prequalify.
What happens if I am presented with an offer?
You'll have the opportunity to accept or decline the offer. Once presented with an offer, additional information and terms will be provided to you before you complete the purchase. If you decline the offer, you will be brought back to the checkout process where you can proceed with your order using a different form of payment.
Synchrony is a premier consumer financial services company delivering customized financing programs across key industries. Synchrony works with thousands of businesses large and small, helping national chains and local merchants offer credit cards with budget-friendly financing
* Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Account APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer anytime.
Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. See stores for details
Shop today, all without credit. Acima's flexible, lease-to-own solutions provide up to $4,000 to help you take home the things you need. Acima makes it possible by giving you instant shopping power all while providing you with the flexibility to make payments that are scheduled with your payday.
The advertised service is a rental or lease purchase agreement provided by Acima. It is not a loan, credit, or financing. Acquiring ownership by leasing costs more than the retailer's cash price. Not available in MN, NY, WI, or WY. Participating retailer locations only. Not all applicants are approved. See lease for details.