P.C. Richard & Son Credit Card

Or call Synchrony Customer Service at 1-877-800-4727 , 7 days a week, 7:30 a.m to midnight EST.

1 New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more.

*No Interest if paid in full within 6, 12, 18, or 24 months with your P.C. Richard & Son Credit Card 2/6/25 through 2/26/25. 6 Months Special Financing on everything we sell not indicated below and all mattresses priced up to $998.99, 12 Months on select appliance purchases totaling $999 or more (Excluding Beko, Panasonic, SubZero Mid-Atlantic & Summit), LG, Samsung & TCL TVs priced $999 or more, Samsung, JBL & LG audio priced $799 or more, all Mac computers and all mattresses priced $999-$1,498.99, 18 Months on all mattresses priced $1,499-$1,998.99 and 24 Months on all Viking, Lynx & Sedona purchases totaling $999 or more and all mattresses priced $1,999-$2,998.99. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the applicable 6, 12, 18 or 24 month promo period. Minimum monthly payments required. 

For 6-month special financing, this is an everyday offer, however we reserve the right to discontinue or alter the terms of this offer any time.

Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. 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 Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. A Promo Fee does not apply to this offer.

**No Interest for 36 Months on mattresses priced $2,999 or more with your P.C. Richard & Son Credit Card 2/6/25 through 2/26/25. Equal monthly payments required for 36 months. Promo fee of 2% of amount financed will be included in required monthly payments.

Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee) and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

***Subject to credit approval. In order to qualify for this statement credit offer, you must use your P.C. Richard & Son account to make a qualifying single-receipt purchase of select appliances totaling $999 or more (Excluding Beko, LG, Panasonic, SubZero Mid-Atlantic & Summit), all LG, Samsung & TCL TVs priced $999 or more, all Samsung, JBL & LG audio priced $799 or more and all mattresses between 2/6/25-2/26/25 (minus any returns or adjustments during the promotional period. For accounts that qualify, a 3% statement credit will post to your account within 90 days from end of offer period. Only one 3% statement credit can be earned per account. Statement credit cannot be used to satisfy the required monthly payment on your P.C. Richard credit card account and may not be redeemed for cash or cash equivalent. Only combinable with our 6-month special financing offer. Account must remain open, in good standing, and not become delinquent at the time the statement credit is applied. Please call 866-396-8254 or the number on the back of your Credit Card to inquire about your rebate status. This offer is void where prohibited.