Bowflex Credit Card
Basic Information
Program ID: bowflex-credit-card
Issuer: Synchrony
Card Type: Credit
Network: N/A
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:06
Last Scraped: 01/15/2026 14:08
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: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
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: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: No Traditional Rewards Program
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - The Bowflex credit card from Synchrony is primarily a financing card for Bowflex and Schwinn purchases, offering special promotional financing. It does not feature a traditional points-based rewards program with bonus categories.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - No points program to expire.
Transfer Partners: N/A - No transfer partners available.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
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 Bowflex Credit Card in 2026 include being at least 18 years of age (19 in Alabama and Nebraska), possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a U.S. mailing address, and demonstrating verifiable income. Approval generally requires good to excellent credit. The card primarily offers special financing promotions, such as 0% APR for 12-24 months on qualifying Bowflex purchases exceeding a specified minimum amount. New accounts may also receive a one-time discount (e.g., 10% off) on their first Bowflex purchase upon approval.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Common triggers for account shutdown or review by Synchrony include: manufactured spending (though less prevalent for store cards), accumulating a high cumulative credit limit across multiple Synchrony accounts, excessive credit seeking (numerous recent applications, particularly within the Synchrony ecosystem), missed payments or delinquency, abuse of financing terms or promotional offers, and any suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Special financing options for large purchases, no annual fee, exclusive discounts for Bowflex products.
Top Negative Feedback:
High deferred interest if promotional terms are not met, customer service issues, limited utility outside of Bowflex.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Peloton Credit Card
- Citi Custom Cash Card
- Capital One Quicksilver Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $250.00
User Portfolio Metrics
Avg Portfolio Size: 3 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: 03/2024