Sam Ash card is for those whose credit score is at least 650. The card is issued by Synchrony Bank, a bank known for giving good credit cards. The card has a high-interest rate, return payment fee, late payments fees but there is no annual fee.
Sam Ash card has no annual rewards limit, no cash sign up bonus, no reward rate for maximum purchases. The card has no rewards for cardholders.
The good news is, for the first 2 years of using the card, there will be no introductory APR rates attached to your card as long as it is purchases made on qualified goods.
The purchase APR is 29.99 % which is high and mostly unsteady.
For balance transfer, there is no introductory rate, and no balance transfer APR.
One good thing about this card is that your payment reports go to three card bureaus; Equifax, TransUnion, and Experience. If you make early payments, it makes this bureau see you as financially responsible and will improve your credit score.
On the first 24 months, there is a 0% APR on purchases
The card reports to 3 credit card bureaus
Cons Of Sam Ash Credit Card
The card has a high APR
Has no sign-up bonus
No rewards or cash-back
No rewards on any purchases made
Having known what to expect from the card, to be eligible you need to have a credit score of 650 and above before you can apply for the card. If you have up to 650 scores, then you can proceed with applying for the card.