Buy Now, Pay Over Time

No Interest if Paid in Full Within 6, 12, or 18 Months*

On purchases of $500 - $999.99 for 6 months, $1000 – $9,999.99 for 12 months, or $10,000 or greater for 18 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 Pre-Qualify for the
Synchrony Luxury Credit Card

Get a decision in seconds with no impact to your credit bureau score.

1. Pre-Qualify

Quickly and easily check if you pre-qualify for credit without impacting your credit score.

2. Decision

You'll get an instant pre-qualification decision after you complete your request.

3. Accept & Apply

If you are pre-qualified, accept and apply for the Synchrony Luxury Credit Card.

4. Purchase

Once approved, finalize your purchase online by selecting "SatisFi" at checkout.

Satisfi from Synchrony

Offers a way to apply for instant,
personalized financing at checkout.

Frequently Asked Questions

  1. How can I get No Interest Financing?

    The Natural Sapphire Company works Synchrony as the primary lender and they are the bank behind the No Interest Financing* offer presented and marketed throughout the website. When you begin the initial application process, you are applying for the Synchrony Luxury Credit Card from Synchrony. If approved you will be able to complete your qualifying purchase of $500 or more with no interest, if paid in full within 6, 12, or 18 months*. Terms and conditions apply. Subject to credit approval.

  2. I'm approved for the Synchrony Luxury Credit Card but do not see anything about No Interest Financing.

    If approved for the Synchrony Luxury Credit Card, you will be presented with your specific No Interest Financing* offer at the time of purchase, prior to submitting your qualifying order. $500 minimum purchase required. Finance terms and conditions apply. Subject to credit approval.

  3. Which providers may present a financing offer when I apply?

    The Natural Sapphire Company works with Synchrony as the primary lender and they are the bank behind the No Interest Financing* offer presented.

    Synchrony
  4. What is pre-qualification?

    By providing information and checking if you pre-qualify, you can get a sense of whether you'll be approved for the credit card. Merely checking to see if you pre-qualify will not impact your credit bureau score.

  5. Will checking to see if I pre-qualify impact my credit bureau score?

    No. There is no impact to your credit bureau score when you submit a pre-qualification check. However, if you pre-qualify and then proceed with applying for the credit card, a hard inquiry will be required, which may impact your credit bureau score.

  6. Is there a limit on the number of attempts to pre-qualify?

    Yes. You are limited to 4 attempts per day. After your 4th attempt to pre-qualify, any further requests will not be accepted for the remainder of that day.

  7. I pre-qualified. 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.

  8. Is pre-qualification the same as being approved?

    No, if you pre-qualify 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.

  9. I did not pre-qualify. 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.

  10. Why was my credit card application declined even after I was told I pre-qualify?

    Pre-qualification 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 pre-qualify.

  11. 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.

  12. How do I pay my bill?

    Your 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.

    Synchrony Bank

    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 - 12:00 AM ET
          Saturday 10:00 AM - 7:00 PM ET
          Sunday - Closed.
          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:
          Synchrony Bank
          P.O. Box 960061
          Orlando, FL 32896-0061

Get a decision in seconds with no impact to your credit bureau score. Satisfi from Synchrony

Financing Details

Synchrony Bank:

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. For New Accounts: Purchase 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.