The Synchrony Floor & Decor Commercial Credit Card offers a high cashback rate of 5%, making it ideal for business owners in the decoration or construction industry. It provides solid security and control, but has limited redemption flexibility and no intro offer.
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Best for those who value a low APR and are not focused on travel rewards.
By Harlon Drosghic Apr 2026
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Synchrony Floor & Decor Commercial Credit Card
Synchrony • Business Store
- Annual Fee
- Free
- Cashback
- 5%
- Minimum Income
- —
Score by category
Rewards
★★★★★ 2.6/5
Score by category
Rewards
Cashback ★★★★★ 3.3/5
- Base Cashback Rate 5.0
- Caps & Limits 4.0
- Redemption Ease 3.5
- Redemption Flexibility 3.0
Credit Building ★★★★★ 2.5/5
- Credit Bureau Reporting 4.0
- Credit Limit Growth 3.5
- Approval Accessibility 3.0
Lower Fees ★★★★★ 3.1/5
- Annual Fee Value 5.0
- Cost Transparency 3.5
- Penalty Friendliness 3.0
- Foreign Transaction Fee 3.0
Purchase Perks ★★★★★ 1.1/5
- Installment Perks 3.5
- Everyday Usefulness 3.0
Travel Perks ★★★★★ 0.5/5
- No Foreign Tx Fees 3.0
Score by category
User Experience
★★★★★ 3.3/5
Score by category
User Experience
App / Experience ★★★★★ 3.8/5
- Ease of Navigation 4.0
- Self-Service 3.5
- Billing Clarity 3.5
- Feature Quality 3.5
- App Speed & Stability 4.0
Support Quality ★★★★★ 2.7/5
- Response Time 2.5
- Channel Availability 3.0
- Agent Professionalism 2.5
- First-Contact Resolution 2.5
- Resolution Effectiveness 3.0
Transparency ★★★★★ 2.9/5
- Terms Simplicity 2.5
- Billing Transparency 3.0
- Fee & Interest Clarity 3.0
- Charge Predictability 3.0
- Communication Clarity 3.0
Security & Control ★★★★★ 3.6/5
- Card Control Features 4.0
- Fraud Protection 3.5
- Virtual Card Experience 3.5
- Incident Resolution 3.0
- Real-Time Monitoring 4.0
Benefits Usability ★★★★★ 3.5/5
- Ease of Earning 4.0
- Ease of Tracking 3.5
- Real-World Value 3.5
- Rules Simplicity 3.0
- Ease of Redeeming 3.5
Pros & Cons Synchrony Floor & Decor Commercial Credit Card
Pros
- ✓High cashback rate of 5%
- ✓No annual fee
- ✓Low APR
Cons
- ✗No travel rewards or airline perks
- ✗Limited redemption flexibility
- ✗No intro offer
Expert Analysis
AI Analysis
Citocred AI
The Synchrony Floor & Decor Commercial Credit Card offers a high cashback rate of 5%, making it ideal for business owners in the decoration or construction industry. It provides solid security and control, but has
Full analysis
limited redemption flexibility and no intro offer. Best for those who value a low APR and are not focused on travel rewards.
Best for
business-owner
Avoid if
travel-seeker
AI-generated analysis · Methodology by Harlon Drosghic
business-owner
travel-seeker
Frequently Asked Questions
Synchrony Floor & Decor Commercial Credit Card
What is the interest rate for the Synchrony Floor & Decor Commercial Credit Card?
What cashback rate does the Synchrony Floor & Decor Commercial Credit Card offer?
Does the Synchrony Floor & Decor Commercial Credit Card include airport lounge access?
Does the Synchrony Floor & Decor Commercial Credit Card include travel insurance?
Who should get the Synchrony Floor & Decor Commercial Credit Card?
Is the Synchrony Floor & Decor Commercial Credit Card worth it?
The Synchrony Floor & Decor Commercial Credit Card provides a set of benefits designed to add genuine value to your financial routine:
Cashback
5%
Contactless Payment
Virtual Card
International Acceptance
See 9 benefits not included in this card
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Features — Detalhes
Fees
Rewards
Premium
Digital
How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
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Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.