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Last Updated: 05/14/2026

B&H payboo Credit Card

from Synchrony Bank

Last Updated: 05/14/2026

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Strongly not recommended24 total votes

1 users recommend

1 users are unsure

22 users don't recommend

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Highlights

Community Rating

Strongly not recommended

Purchase APR (Variable APR)

29.99%(Verified 06/21/2024)

Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

650 - 850

Annual Fee

Number of Reviews

B&H payboo Credit Card Review

This is a store card issued by Synchrony Bank. If you're wondering whether B&H payboo Credit Card is the right card for you, read on.

Key Takeaways

APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 29.99%
No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
Fair or better credit required. You will have good approval odds if you have a fair credit score or better.

Pros & Cons of B&H payboo Credit Card

The Good

The Bad

You pay the tax, we pay you back instantly. B&H Payboo Card tax-equivalent loyalty reward offer is valid on all NYC SuperStore purchases and online and by-phone orders based on customer’s ship-to address, and subject to state eligibility (check here). Entire purchase must be made with the B&H Payboo Card to qualify for this offer. If a portion of the purchase is paid for with another form of payment (e.g., cash, another credit card, or a gift card), it will not be eligible for this offer.
No annual fee.
Instant Credit Decision - use your new card right away if you're approved.
No annual fee.
B&H payboo Credit Card reports to multiple credit bureaus.

High interest rates.
Higher than average purchase APRs.
Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.

B&H payboo Credit Card FAQ

Does B&H payboo Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

B&H payboo Credit Card Rewards Breakdown

Description

How do people rate the customer service and user experience of B&H payboo Credit Card?

Overall, B&H payboo Credit Card is strongly not recommended based on community reviews that rate customer service and user experience.

Does B&H payboo Credit Card report your account activity to credit bureaus?

Yes, B&H payboo Credit Card reports to the following credit bureaus:

Equifax
Experian
TransUnion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Synchrony Bank perform a hard credit pull?

Yes, B&H payboo Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for B&H payboo Credit Card

Visit the website of B&H payboo Credit Card.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

777 Long Ridge Rd

Stamford, CT 06905

Visit Site

Email Support

Hours of Operation

Sunday

8:00AM - 12:00AM

Monday

8:00AM - 12:00AM

Tuesday

8:00AM - 12:00AM

Wednesday

8:00AM - 12:00AM

Thursday

8:00AM - 12:00AM

Friday

8:00AM - 12:00AM

Saturday

8:00AM - 12:00AM

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -87, or 1.3 on a 5-point rating scale.

-87

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

B&H payboo Credit Card Community Reviews

Would you recommend B&H payboo Credit Card to your friends?

Katrina B.

Jan 12, 2024

May or may not recommend

Worst credit card I have ever had. Opened & closed it within months. Used one time, paid bill in full along with late fee they charged when the bill was due before I even received the first bill/statement. Paid it and still sent me additional charges. AVOID AT ALL COSTS!

Ann T.

Dec 20, 2023

May or may not recommend

Please avoid this credit card company at all costs. Their "promotional" program is a scam. They charge interest not on the current balance but on the highest balance even once it's paid off and the customer service can do nothing to help no matter how many different people you speak to. Will never use again.

Anonymous

Nov 1, 2023

May or may not recommend

I signed up for 0% for 12 months. I got my statements a few months later and there is interest being added. I started a dispute 2 months ago. I called today and the representative told me I could mail them a letter......

Pavan G.

Oct 16, 2023

May or may not recommend

Worst customer service, no email notifications, and password reset issues. Overall a mess, please stay of this company.

Rich B.

Jun 5, 2023

May or may not recommend

Card is great because you don’t get charged interest provided you paid off by the statement date. But the bank that runs their credit card consistently cancels your card for no reason other than not used in two months., you go to purchase some thing and your card does not work. You have to spend 48 hours in an attempt to get a new one that’s missing out on sales.

Arnab S.

May 17, 2023

May or may not recommend

Horrible card. Got a enquiry on my credit report only to get a mail saying "my identity was not verifiable". ZERO customer support. Good luck with this card

Anonymous

May 4, 2023

May or may not recommend

Despite paying in-full 12 business days earlier than the due date, my payment was still reflected as 2 days later than the due date hence late fees were charged. It happened 3 times in a row (either 1 or 2 days late). The late fees was even a part of their auto attendance automation options when you call in just to show this is a norm for them. ...Show More

Anonymous

Apr 26, 2023

May or may not recommend

I paid off the B&H credit card and next month they are charging me interest. This is ridiculous. Does B&H know about this finance company? It makes B&H look bad.

Anonymous

Feb 16, 2023

May or may not recommend

Used for deal on 12 months payment with no interest. Great. Problems: 1. Automatic payment system is horrible - 3 months in a row it did not work and I had to make one-time payments. Their answer? I see you have it set up, but make a one-time payment. No effort to explain or acknowledge a problem they could fix. 2. If you purchase two items at different times to ...Show More

Alexo N.

Jan 17, 2023

May or may not recommend

I have this for 3 month now and every month I do pay on time and then I find out that is not paid And I have already $300 extras in charges and fees The is a scam Bank please read all reviews before getting it, they should be sued

Ana T.

Jan 11, 2023

May or may not recommend

In my opinion, this credit card is extortion. Please be careful!!!! The fees are high and even after I paid off the credit card completely they still charged me fees. I am paying off everything they want just to get rid of them! This is a scam! I can't believe the government is letting them getting away with this.

Robert M.

Dec 29, 2022

May or may not recommend

Went to make an online payment and received a verification code. Also received an email that the payment went through. However, when the bill came in the mail no payment was made. 29.99 percent interest added with almost $60 interest. Nuts! Spoke to customer service and the Comenity Credit agent said my electronic payment did not go through, yet they did acknowledge the payment by email. I got the $30 ...Show More

Anonymous

Nov 11, 2022

May or may not recommend

Saved alot of money living in Washington State. Just pay the full amount every month and its like a 10% sale on every purchase. Not sure what others are complaining about.

Amazing F.

Oct 31, 2022

May or may not recommend

Deceiving business practice to mislead customers so that they end up paying interest on purchase. The customer service is fraud. You almost can never get a human on the customer service phone, the email won't be answered even in 15 days. They won't refund you any money if you dispute any charges. The customer service may promise you a refund but they will not do it so that they can ...Show More

Chris B.

Oct 24, 2022

May or may not recommend

Had Syncrony/B&H card with no issues. Minimal request of information when applied. Had to apply with the new Commenity/B&H who did a hard credit check to my credit bureaus. My score is 820, no loans, high credit, but even with all the credit bureau information, Commenity wants a copy of my driver's license, Social Security card, bank statement, address verification from utility or other. Commenity is Plaid, ...Show More

Albertus D.

Oct 11, 2022

May or may not recommend

I was given a HUGE surpise that I started paying interest after the first two months of having this account. For a total of $150 ($70 and then $80) - NEVER made a late payment, in fact, I paid it in advance. Then I paid the full amount off and two weeks later there was ANOTHER $31 on the statement. DAILIGHT ROBBERY. I will NEVER, EVER use this again and I will notice ...Show More

Anonymous

Jul 28, 2022

May or may not recommend

The company running the show behind this card, Comenity, apparently can't get their systems working correctly. Their websites do not work. Tons of security errors in their website code means that browsers simply reject what their website is attempting, completely blocking their javascript from even being loaded. There's no good way to manage your account online. Their account systems have been down for weeks at a time. If you enjoy doing ...Show More

Barbara E.

Jul 26, 2022

May or may not recommend

I've been very happy with the benefit (essentially I don't pay sales tax on my purchases) and all was good while Synchrony owned the card portfolio. The transfer to Comenity has been a nightmare. It took forever to get the card issued. Today I got an email prompting me to "view my account" to see my statement. The link sent me to an outfit called "Bread" something! No account information ...Show More

Michael D.

Jul 2, 2022

May or may not recommend

The damned site has been down for a long time. Can’t order. If I can’t trust you to keep your site up… am I supposed to trust you with my financing?

???? ?.

Jun 14, 2022

May or may not recommend

Have an 820 credit score, a Chase Private Client account, have zero debt of any kind.. and was still denied by this little bank, ruining my perfect credit. They do not do a soft pull - they do a hard pull like I'm getting a mortgage. Registered for it to save tax on B&H, but it would have been better to just pay the $400 in taxes and not deal ...Show More

Showing 20 of 24 reviews