What Sally's Credit Card Is
Sally's Credit Card is a store card issued by Synchrony Bank that you can use at Sally Beauty Supply stores and online at sallybeauty.com. It works like most retail credit cards — you get a line of credit you can use to buy beauty products, tools, and supplies, and you pay it back over time with interest if you carry a balance.
The card is designed for people who shop at Sally Beauty regularly. It offers discounts and rewards on purchases, but it also charges interest on unpaid balances, just like any other credit card. Whether it makes sense for you depends on how often you shop there and whether you can pay off what you charge each month.
Key Takeaways
- Sally's Credit Card is a store card from Synchrony Bank that works only at Sally Beauty Supply locations and online.
- The card offers discounts and rewards on purchases, but carries interest charges if you do not pay your full balance monthly.
- Your credit score affects whether you are approved and what interest rate you receive.
- You can check your balance and make payments through Synchrony's online portal or by phone.
- Carrying a high balance on the card can hurt your credit score, even if you make payments on time.
How to Get a Sally's Credit Card
You can request a Sally's Credit Card in person at any Sally Beauty Supply store or online at sallybeauty.com. The store associate or online form will ask for your name, address, date of birth, Social Security number, and income information. Synchrony Bank then reviews your credit history and decides whether to approve you.
Approval is not may provide. Synchrony looks at your credit score, payment history, and how much debt you already carry. If you have a higher credit score and a clean payment record, you are more likely to be approved. If you are denied, you can still shop at Sally Beauty — you just have to pay with cash, debit, or another credit card.
If you are approved, you will receive your card in the mail within 7 to 10 business days. You can start using it right away once it arrives, either in stores or online.
Interest Rates and Fees
Sally's Credit Card charges interest on balances you do not pay in full by the due date. The interest rate (called the Annual Percentage Rate, or APR) varies based on your credit score and credit history. Synchrony will tell you your specific APR when you are approved — it is not the same for everyone.
The card does not have an annual fee, so you do not pay just to own it. However, if you miss a payment, Synchrony charges a late fee. If you go over your credit limit, you may be charged an over-limit fee. Both of these fees appear on your statement and add to what you owe.
If you carry a balance from month to month, interest charges add up quickly. A $500 purchase at 20% APR costs about $8.33 per month in interest alone if you only make minimum payments. This is why paying off your balance each month, or as much as you can, saves you money.
Rewards and Discounts
Sally's Credit Card offers rewards on your purchases. The exact rewards structure changes, so check your welcome materials or ask in-store for current details. Typically, cardholders earn points or cash back on purchases, and some promotions offer extra rewards during certain months or on specific product categories.
The card also sometimes offers special financing promotions — for example, 0% interest for 12 months on purchases over a certain amount. These promotions are advertised in stores and online, and they explore only during the promotion period. If you use a 0% promotion, make sure you understand when the regular interest rate kicks in, because any remaining balance will be charged interest at the full APR after the promotion ends.
Rewards are only valuable if you actually use them and if the discounts outweigh the interest you pay. If you carry a balance and pay interest, the rewards usually do not make up for it. The best use of this card is to charge only what you can pay off each month.
How to Manage Your Account
Once you have your Sally's Credit Card, you can check your balance, make payments, and view your statement through Synchrony's online portal at mysynchrony.com. You will need to create an account with your card number and personal information. You can also call Synchrony's customer service number (printed on the back of your card) to check your balance or make a payment by phone.
Payments can be made online, by phone, by mail, or in person at Sally Beauty Supply stores. Online and phone payments usually post within one business day. Mail payments take 7 to 10 business days, so send them early if your due date is coming up. Your due date is listed on your monthly statement — pay by that date to avoid late fees.
Set up automatic payments if you want to make sure you never miss a due date. You can arrange for Synchrony to withdraw a fixed amount or your full balance from your bank account each month. This removes the risk of forgetting and damaging your credit score.
How Sally's Credit Card Affects Your Credit
Using Sally's Credit Card can help or hurt your credit score, depending on how you use it. If you pay on time every month and keep your balance low, the card helps your credit score by showing lenders you can manage credit responsibly. Payment history is the biggest factor in your credit score, so a clean record with this card builds your creditworthiness.
However, if you carry a high balance relative to your credit limit, your credit score drops. This is called your credit utilization ratio. Even if you make all your payments on time, owing $800 on a $1,000 limit hurts your score more than owing $200. Lenders see high utilization as a sign of financial stress.
Late or missed payments damage your credit score significantly and stay on your credit report for seven years. A single late payment can lower your score by 100 points or more. This makes it harder to get approved for other credit cards, loans, or even rental housing in the future.
Alternatives to Sally's Credit Card
If you shop at Sally Beauty regularly but do not want a store card, you can use a general-purpose credit card or debit card instead. A cash-back rewards card from your bank might offer better rewards on all your purchases, not just at Sally Beauty. You avoid the risk of overspending at one store and the temptation to carry a balance.
If you do not have a credit card yet and want to build credit, Sally's card can work, but only if you pay it off each month. A secured credit card from your bank might be a better starting point — it requires a cash deposit but has lower interest rates and is easier to manage.
You can also straightforward pay cash or use debit at Sally Beauty. You will not earn rewards, but you will not pay interest either. For occasional shoppers, this is often the smartest choice.
Frequently Asked Questions
What is the credit limit on Sally's Credit Card?
Your credit limit depends on your credit score and income. Synchrony does not publish a standard limit. New cardholders typically receive limits between $300 and $2,500, but this varies. You can ask Synchrony to increase your limit after you have had the card for a few months and made on-time payments.
Can I use Sally's Credit Card outside of Sally Beauty Supply?
No. Sally's Credit Card works only at Sally Beauty Supply stores and on sallybeauty.com. You cannot use it at other retailers. If you need a card that works everywhere, you need a Visa, Mastercard, or other general-purpose credit card.
What happens if I miss a payment?
Synchrony charges a late fee (usually $25 to $40) and reports the missed payment to credit bureaus. Your credit score drops when ready. If you miss a payment by 30 days or more, the damage to your credit is severe and lasts for years. Contact Synchrony right away if you cannot make a payment — they may work with you on a payment plan.
Can I pay my Sally's Credit Card bill in the store?
Yes. You can make payments at Sally Beauty Supply registers. Ask the cashier for details on how payments are processed. You can also pay online, by phone, or by mail if those options are more convenient.
Does Sally's Credit Card have a 0% introductory APR period?
Not automatically. However, Synchrony runs periodic promotions offering 0% APR for a set period on new purchases or balance transfers. Check your welcome materials or ask in-store about current offers. These promotions are temporary and do not explore to all cardholders.