Coach Credit Card
Basic Information
Program ID: coach-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:13
Last Scraped: 01/15/2026 09:41
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater. |
| 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: 2,999.00% - 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: $0.00
Spending Requirement: $0.00
Time Period: 30 days
Bonus Timing: Applied instantly at the point of sale on the first purchase.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Coach Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12-24 months after issuance or if account is inactive. (Note: This is a projection based on typical Synchrony store card programs, as specific 2026 terms are not yet publicly 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
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: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: The 'coach-credit-card' typically offers a sign-up bonus such as 20% off the first purchase made upon approval. Eligibility requirements for 2026 include being at least 18 years old, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating a good to excellent credit history. Approval is subject to Synchrony Bank's credit underwriting standards. This card is primarily designed for purchases at Coach retail stores and coach.com within the USA.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: N/A for traditional spend-based bonus; primary bonus is typically an immediate discount on the first purchase upon approval.
Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, rapid application for multiple Synchrony cards, missed payments, high credit utilization, suspicious activity, or abuse of promotional offers (e.g., 0% APR). While manufactured spending is less common for store cards, any form of account manipulation or violation of terms can trigger review.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Initial discounts and exclusive offers for Coach shoppers are appreciated. Can be a good option for building credit history.
Top Negative Feedback:
High APR, customer service issues, and limited utility outside of Coach stores are common complaints.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Nordstrom Retail Card
- Capital One SavorOne Cash Rewards Credit Card
- Discover it Cash Back
Card Value Score: 60.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0