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Last Updated: 07/28/2025

Sam Ash Credit Card

from Synchrony Bank

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Sam Ash Credit Card logo
Strongly recommended5 total votes
3 users recommend
2 users are unsure

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Highlights icon

Highlights

Community Rating

Strongly 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

N/A

Number of Reviews

5

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Sam Ash Credit Card Review

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

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 24 months.
  • APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 29.99%
  • Fair or better credit required. You will have good approval odds if you have a fair credit score or better.

Pros & Cons of Sam Ash Credit Card

Sam Ash Credit Card FAQ

Does Sam Ash Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

How do people rate the customer service and user experience of Sam Ash Credit Card?

Overall, Sam Ash Credit Card is strongly recommended based on community reviews that rate customer service and user experience.

Does Sam Ash Credit Card report your account activity to credit bureaus?

Yes, Sam Ash 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, Sam Ash 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 Sam Ash Credit Card

  • Visit the website of Sam Ash 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 strongly recommend this product, giving it a user recommendation score of +60, or 4.2 on a 5-point rating scale.

+60

-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.

Sam Ash Credit Card Community Reviews

Would you recommend Sam Ash Credit Card to your friends?

RF

Robelys F.

May 28, 2022

May or may not recommend

on the fair side, they offer 0%APR on on new purchases they are good

Esther O. avatar image

Esther O.

Oct 29, 2020

May or may not recommend

The most important factor I consider when selecting a credit card issuer is the interest rate. Sam Ash Credit has a high interest rate. They do not offer any cashbacks, signup bonus, rewards on every purchase or signup bonus. However, on the fair side, they offer 0%APR on on new purchases for the first twenty four months of the card being issued. They are not a bad company, so it's ...Show More

BN

Bryant N.

Oct 26, 2020

May or may not recommend

I wouldn't whole-heartedly recommend this credit card service to anyone. I did enjoy the 0% APR on new purchases for the first two years; however, being a consistent shopper, I wasn't getting the added perks I thought my shopping frequency merited. No rewards on purchase. No signup bonus, no cashback. If you're are a relentless shopper like I am, stay clear of this service.

UD

Ulder D.

Jan 31, 2020

May or may not recommend

I’m always buying some things to samh like guitar pedal and Strings /fender

CA

Christos A.

Sep 23, 2019

May or may not recommend

I got my Gibson Les Paul in 1973 from the only Sam Ash in the country- 48th st. In Manhattan. I love this place.

Showing 5 of 5 reviews

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