What the B&H Photo Video credit card does

The B&H Photo Video credit card is a store card issued by Synchrony Bank that you can use at B&H Photo Video, both in their New York City store and online. When you use it to buy cameras, lenses, computers, lighting, audio equipment, or other items B&H sells, you earn rewards on your purchase. The card also comes with special financing offers — typically 0% interest for a set period if you spend above a certain amount — though you pay regular interest if you don't pay off the balance before that period ends.

This is not a general-purpose credit card. You can only use it at B&H Photo Video locations and their website. If you shop elsewhere, you'll need a different card. The rewards and financing terms are designed for people who buy from B&H regularly, especially those making larger purchases like camera kits or computer equipment.

Key Takeaways

  • The B&H Photo Video card earns rewards points on purchases made at B&H Photo Video, with point value depending on what you buy and current promotions.
  • Special financing offers let you pay off large purchases interest-free for a fixed period, usually 12 to 24 months, if you meet a minimum purchase amount.
  • You must make at least the minimum payment each month, or the 0% financing offer ends and you owe regular interest on the full balance.
  • The card is only accepted at B&H Photo Video, not at other retailers, so it works best if you already shop there regularly.
  • Synchrony Bank manages the account, so you'll make payments and check your balance through their website or app, not through B&H.

How to open a B&H Photo Video credit card account

You can start the account opening process online at bhphotovideo.com or in the B&H store in New York City. Look for the credit card offer on their website — it's usually displayed near the checkout or in a banner on the homepage. Click the link to explore, and you'll be taken to Synchrony Bank's process form.

Fill in your personal information: name, address, date of birth, Social Security number, and employment details. Synchrony will check your credit report to decide whether to approve you. Most decisions happen right away, though some applications take a few business days. If you're approved, you can use the card when ready for online purchases, and a physical card will arrive in the mail within 7 to 10 business days.

If you're denied, Synchrony will send you a letter explaining why. You can contact Synchrony directly to ask about the decision, but you cannot reapply when ready — you'll need to wait and improve your credit situation first.

Understanding the rewards structure

The B&H Photo Video card earns points on every purchase you make at B&H. The exact number of points per dollar varies depending on what you're buying and what promotions are running at the time. Electronics, cameras, and computers typically earn points, but the rate changes based on B&H's current offers.

Points can be redeemed as a statement credit — meaning they reduce your credit card bill — or sometimes as a discount on a future B&H purchase. The redemption value depends on how many points you have and what B&H is offering. You'll see your points balance in your Synchrony account online, and B&H will send you notices about redemption options.

Unlike some rewards cards, this card does not earn points on purchases outside B&H Photo Video. If you use it anywhere else, you'll get no rewards and may face a higher interest rate than a general-purpose card.

How the 0% financing offers work

B&H regularly runs promotions where you can buy something and pay no interest for a set period — commonly 12, 18, or 24 months — if your purchase is above a certain amount. These offers are advertised on the B&H website and in the store. When you check out, the offer will be shown to you, and you can choose to accept it.

Once you accept the offer, your purchase is split into equal monthly payments spread across the promotional period. You must make at least the minimum payment each month. If you miss a payment or pay late, the 0% offer ends when ready, and Synchrony will charge you regular interest on the entire remaining balance — not just the unpaid portion. The interest rate will be whatever rate you were approved for when you opened the card, which is usually between 19% and 29% depending on your credit.

If you pay off the full balance before the promotional period ends, the offer ends and you owe nothing more. There is no penalty for paying early. However, if even one dollar remains unpaid when the promotional period expires, you'll owe interest on that dollar from the original purchase date.

Making payments and managing your account

You make payments to Synchrony Bank, not to B&H Photo Video. You can pay online through Synchrony's website or mobile app, by phone, or by mail. Set up an account at synchronybank.com using your card number and personal information. From there, you can view your balance, see your transaction history, set up automatic payments, and read statements.

Payments are due by the date shown on your monthly statement. If you're on a promotional financing plan, make sure you understand the exact due date and payment amount — missing even one payment will end the 0% offer. Many people set up automatic payments to avoid this risk.

If you have questions about your account, rewards, or a specific charge, contact Synchrony directly. B&H Photo Video can help with product questions and returns, but they cannot change your credit card terms or process payments.

When the B&H card makes sense to use

This card is most useful if you buy from B&H Photo Video regularly and spend enough to hit the minimum purchase thresholds for promotional financing offers. If you're a photographer, videographer, or tech enthusiast who makes large purchases — a new camera body, a computer, lighting kits — the 0% financing can save you money on interest.

The rewards points add up faster on bigger purchases, so the card pays off more if you're buying expensive items rather than small accessories. If you only shop at B&H occasionally or buy small items, the rewards may not be worth the effort of managing another card.

The card is not useful for everyday shopping or purchases at other retailers. If you need a card for general use, a cash-back card or rewards card that works everywhere will serve you better.

Fees and interest rates

B&H Photo Video credit cards typically have no annual fee. However, Synchrony charges interest on any balance you carry after a promotional period ends or if you don't have an active promotion. The interest rate depends on your credit score and credit history — it's set when you open the account and shown in your approval paperwork.

If you miss a payment, Synchrony may charge a late fee. If your payment is more than 60 days late, the missed payment will be reported to credit bureaus and will hurt your credit score. Synchrony may also raise your interest rate if you miss payments.

There are no foreign transaction fees because the card can only be used at B&H Photo Video locations, which are all in the United States.

Frequently Asked Questions

Can I use the B&H Photo Video card at other stores?

No. The card is only accepted at B&H Photo Video locations and bhphotovideo.com. If you try to use it elsewhere, it will be declined. You'll need a different credit card for purchases outside B&H.

What happens if I don't pay off the promotional financing before the period ends?

If any balance remains when the promotional period expires, you'll owe interest on the entire original purchase amount at your regular card interest rate, retroactive to the purchase date. This can be expensive, so set a reminder to pay off the balance before the important date or pay it off early.

How do I redeem my rewards points?

Log into your Synchrony account online and look for the rewards or points section. You'll see your current balance and available redemption options, which usually include a statement credit or a discount on a future B&H purchase. Follow the prompts to redeem. B&H will also send you notices about redemption offers by mail or email.

What credit score do I need to open this card?

Synchrony doesn't publish a minimum credit score requirement, but most store cards require fair to good credit — typically a score of 650 or higher. If your credit is lower, you may be denied. You can explore and find out, or contact Synchrony before explore to ask about your likelihood of approval.

Can I transfer a balance from another credit card to the B&H card?

The B&H Photo Video card is designed for purchases at B&H only, and Synchrony typically does not offer balance transfer options on store cards. You would need to pay off other cards separately and then use the B&H card for future B&H purchases.