6
Benefits2
Reward Categories10x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: coach-credit-card
Issuer: Synchrony
Card Name: Coach Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Federal law provides important protections to members of the Armed Forces and their dependents, capping the cost of consumer credit at an annual percentage rate of 36 percent, including certain fees. For more information, call 1-844-340-8800.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Coach Stores and Coach.com | 10x | Points | Purchases made at Coach stores and coach.com | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Visa is accepted | No Cap |
Rewards Summary
PENDINGQuarterly Rotating: No
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 6 Total
PENDINGFinancial 1
No Annual Fee
$0 annual feeThe Coach Credit Card does not charge an annual fee for card membership.
Lifestyle 1
Annual Birthday Reward
$20 annuallyCardmembers receive a $20 reward during their birthday month each year.
Rewards 1
Rewards Points Earning
2 points per $1Earn 2 rewards points for every $1 spent on purchases at Coach stores and coach.com using the Coach Credit Card.
Shopping 3
First Purchase Discount
20% offCardmembers receive a 20% discount on their first purchase made with the Coach Credit Card.
Free Standard Shipping
Free standard shippingCardmembers receive free standard shipping on all purchases made at Coach stores and coach.com when using their Coach Credit Card.
Exclusive Cardmember Offers
Varies by offerAccess to special promotions, discounts, and events exclusively for Coach Credit Cardmembers.
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
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Coach Credit Card (Synchrony) in 2026 requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid SSN or ITIN, and possess a fair to good credit score (typically 640+). Approval is also contingent on sufficient income and a review of existing Synchrony relationships. The primary bonus is typically a percentage discount (e.g., 20%) on the first purchase made with the card. This card is subject to store-specific restrictions, meaning it can only be used for purchases at Coach stores and online at Coach.com.
Max Cards Per Issuer: 6
Min Spend Interval: N/A for traditional spend bonus; initial discount applied immediately upon first purchase.
Cliff Effect Rules: Not applicable; store cards typically do not have 'card families' with tiered benefits or complex downgrade/upgrade paths that trigger cliff effects.
Special Events: Exclusive cardholder-only sales events, double points days on select purchases, early access to new product collections, and special birthday discounts.
Holiday Promos: Black Friday/Cyber Monday, Valentine's Day, Mother's Day, Father's Day, Back-to-School season, and the full end-of-year holiday shopping period (November-December).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Exclusive discounts, early access to sales, and a rewarding loyalty program for frequent Coach shoppers, often serving as a good tool for building credit.
Top Negative:
High APR, limited utility outside of Coach stores, and occasional reports of challenging customer service experiences with Synchrony Bank.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Gap Visa Credit Card
- Nordstrom Visa Signature Card
- Discover it Cash Back
Card Value Score: 70.0 / 100
Est. Annual Rewards: $175.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0