A-1 Scuba Credit Card
Basic Information
Program ID: a-1-scuba-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:11
Last Scraped: 01/15/2026 14:13
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus 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.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on A-1 Scuba purchases; 1x on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after issuance or if account is inactive for 12 consecutive months.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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.
Maximum Cards Per Issuer: 6
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Access to special financing offers for scuba gear and travel purchases; potential for exclusive discounts and promotions at A-1 Scuba.
Top Negative Feedback:
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 Score: 75.0 / 100
Recommended Alternatives
- Lowe's Advantage Card (Synchrony)
- Chase Freedom Unlimited
- Capital One SavorOne Rewards
Card Value Score: 55.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0