5
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: bowflex-credit-card
Issuer: Synchrony
Card Name: Bowflex Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony complies with the Military Lending Act (MLA), providing covered borrowers with protections including a 36% Military Annual Percentage Rate (MAPR) cap on covered transactions.
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: No Traditional Rewards Program
Base Rate: 0x
Bonus Rate: 0x
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.
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: N/A - No points program to expire.
Point Value: 0¢
Travel Portal Multiplier: 0x
Transfer Partners: N/A - No transfer partners available.
Redemption Penalties: N/A - No complex redemption structure or penalties.
Benefits & Protections (Detailed) 5 Total
PENDINGFinancial 1
No Annual Fee
No annual feeThe Bowflex Credit Card has no annual fee, saving cardholders money each year.
Lifestyle 1
Online Account Management
24/7 Online AccessManage your Bowflex Credit Card account online 24/7, including viewing statements, making payments, and updating personal information.
Security 1
Fraud Protection
$0 Fraud LiabilityCardholders are protected against unauthorized charges with $0 fraud liability, meaning you are not responsible for unauthorized use of your card.
Shopping 2
Special Financing Offer (18 Months)
0% APR for 18 months on purchases $1,999+0% APR for 18 months on qualifying Bowflex purchases of $1,999 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Subject to credit approval. Minimum monthly payments required.
Special Financing Offer (12 Months)
0% APR for 12 months on purchases $999 - $1,9980% APR for 12 months on qualifying Bowflex purchases between $999 and $1,998. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Subject to credit approval. Minimum monthly payments required.
Benefits Summary (Flags)
PENDINGExtended 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$100
Cash BackRequirement: Spend $1,000 in 90 days
Timing: Typically within 1-2 billing cycles after the spending requirement is met.
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: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
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
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: 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.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony generally operates with internal application limits, often informally observed as a '2/6' (no more than 2 new accounts in 6 months) or '3/12' (no more than 3 new accounts in 12 months) rule. Exceeding these limits or accumulating a high total credit exposure across all Synchrony-issued cards can lead to application denials or a review of existing accounts, rather than specific 'card family' cliff effects.
Special Events: Expect special financing and discount promotions tied to key Bowflex sales periods, such as New Year's Resolution campaigns (January-February), Summer Fitness promotions (May-July), and major holiday sales events like Black Friday and Cyber Monday (November-December).
Holiday Promos: Synchrony and Bowflex frequently offer enhanced financing or discount promotions during major U.S. holidays, including Memorial Day, Independence Day (July 4th), Labor Day, and the broader year-end holiday shopping season (Thanksgiving through Christmas).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Special financing options for large purchases, no annual fee, exclusive discounts for Bowflex products.
Top Negative:
High deferred interest if promotional terms are not met, customer service issues, limited utility outside of Bowflex.
Approval Experience: 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
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 03/2024