A-1 Scuba & Travel Center Credit Card

Synchrony Pending

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Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: a-1-scuba-credit-card

Issuer: Synchrony

Card Name: A-1 Scuba & Travel Center Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 14:11

Last Scraped: Feb 05, 2026 13:11

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides assistance to military customers and their families, including potential benefits under the Servicemembers Civil Relief Act (SCRA) for active duty Servicemembers or their dependents. Call 1-855-367-4541 for more information.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x on A-1 Scuba purchases; 1x on all other purchases

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points expire 24 months after issuance or if account is inactive for 12 consecutive months.

Point Value: 0.01¢

Travel Portal Multiplier: 0x

Transfer Partners: N/A

Redemption Penalties: N/A

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$0

Cash Back

Requirement: Spend $0 in 0 days

Timing: No traditional sign-up bonus (e.g., points, miles, or fixed cash/discount amount) is explicitly advertised on the A-1 Scuba credit card landing page. The primary offers promoted are special financing options.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: N/A
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 740
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility requirements for the a-1-scuba-credit-card include being at least 18 years old (19 in Alabama and Nebraska), possessing a valid U.S. Social Security Number or ITIN, and being a U.S. resident. Approval is subject to Synchrony's creditworthiness assessment and internal lending criteria. The primary bonus rule for new cardholders is a 15% discount on their first A-1 Scuba purchase made within 30 days of account opening. Application rules require submission of personal and financial information for a credit check. This card is specifically designed for purchases at A-1 Scuba locations and its official online store, with store-specific restrictions applying to its use.

Max Cards Per Issuer: 6

Min Spend Interval: Immediate (for first purchase discount) or typically 3 months for any spend-based bonus offers.

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), excessive credit seeking (opening too many accounts in a short period), high cumulative credit exposure across all Synchrony accounts, consistent minimum payments on promotional financing, missed payments, suspected fraudulent activity, or bankruptcy.

Cliff Effect Rules: Synchrony store cards generally do not have 'card family' rules that restrict bonuses based on other store cards. However, approval for new Synchrony cards, including the A-1 Scuba card, is heavily influenced by an applicant's overall credit profile and existing total credit extended by Synchrony. High cumulative credit limits or numerous open Synchrony accounts can lead to denials for new applications or credit limit reductions on existing accounts, acting as a de facto 'cliff' for further credit acquisition from Synchrony.

Special Events: Cardholder-exclusive sales events, double points days, special financing offers on specific merchandise, and early access to new product launches.

Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Memorial Day, Labor Day, and seasonal sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Access to special financing offers for scuba gear and travel purchases; potential for exclusive discounts and promotions at A-1 Scuba.

Top Negative:
High interest rates if promotional financing terms are not met; limited utility as it can only be used at A-1 Scuba & Travel Center; potential for deferred interest charges.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card (Synchrony)
  • Chase Freedom Unlimited
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Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0