Aquatic Adventures Credit Card

Synchrony Pending

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3

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: aquatic-adventures-credit-card

Issuer: Synchrony

Card Name: Aquatic Adventures Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 14:42

Last Scraped: Feb 16, 2026 14:44

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Aquatic Adventures Purchases 5x Cash Back Eligible purchases made at Aquatic Adventures stores and online. No Cap
All Other Purchases 1x Cash Back All eligible purchases made everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Financial 1
No Annual Fee
$0 Annual Fee

The credit card does not charge an annual fee for card membership, allowing cardholders to save on recurring costs.

Lifestyle 1
24/7 Online Account Access
24/7 Access

Cardholders can conveniently manage their account anytime, anywhere through a secure online portal. This includes viewing statements, making payments, checking balances, and updating personal information.

Shopping 1
Special Financing on Qualified Purchases
Varies by promotion (e.g., 0% APR for 6, 12, or 18 months)

Cardholders can take advantage of special financing promotions, such as deferred interest offers (e.g., 0% APR for a specified period) on purchases meeting certain minimum criteria. Interest accrues from the purchase date but is waived if the promotional balance is paid in full by the end of the promotional period.

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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

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 6 or 12 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Earn a $50 statement credit after spending $250 on eligible purchases at Aquatic Adventures within the first 90 days of account opening. Eligibility requires applicants to be 18 years or older (19 in AL/NE), a US resident with a valid SSN or ITIN, and not have defaulted on any Synchrony account within the last 12 months. Approval is subject to creditworthiness, typically requiring fair to good credit. This card is primarily for use at Aquatic Adventures stores and their online platform; store-specific restrictions apply to rewards redemption and promotional offers.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, abuse of promotional financing offers, high cumulative credit limit across all Synchrony accounts, defaulting on other Synchrony products, excessive credit seeking, or suspicious transaction patterns inconsistent with typical spending at Aquatic Adventures.

Cliff Effect Rules: Synchrony does not have a public 'cliff effect' rule like 5/24. However, they maintain an internal limit on total credit exposure per customer across all Synchrony-issued cards. Applying for too many Synchrony cards or accumulating a very high total credit limit may lead to denials for new applications or credit limit reductions on existing accounts, even if individual credit scores are strong.

Special Events: Exclusive member-only sales events, early access to new product launches, and special financing offers during peak seasons (e.g., summer, holiday travel).

Holiday Promos: Black Friday/Cyber Monday sales, Memorial Day Weekend, Labor Day Weekend, and specific 'Aquatic Adventures' themed seasonal promotions (e.g., 'Summer Splash Sale', 'Winter Dive Deals').

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy to get approved for store discounts; useful for financing large purchases at Aquatic Adventures.

Top Negative:
High APR outside of promotional periods; limited use beyond the specific store; poor customer service experience with Synchrony.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One Quicksilver
  • Discover it Cash Back

Card Value Score: 65.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0