Synchrony Sport Credit Card

Synchrony Pending

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0

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: freedom-to-ride-credit-card

Issuer: Synchrony

Card Name: Synchrony Sport Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 19:01

Last Scraped: Feb 16, 2026 19:03

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

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
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 29.99%
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
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ If you do not pay the promotional balance in full by the end of the promotional period, interest will be charged to your account from the purchase date at the APR for Purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: New cardholders for the 'freedom-to-ride-credit-card' in 2026 are eligible for a sign-up bonus of either 10% off their first purchase made within 30 days of account opening, or 0% APR for 12 months on qualifying purchases over $299 made at participating 'freedom-to-ride' network merchants. Eligibility requirements include being 18 years or older, a US resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to Synchrony's credit approval process. Approval is contingent on creditworthiness and existing credit relationships with Synchrony. This card is exclusively for purchases at authorized 'freedom-to-ride' network merchants, and store-specific restrictions apply to offers and redemption.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months (for any potential spend-based bonus, otherwise first purchase for discount)

Shutdown Risk Triggers: Manufactured spending (especially if merchant gift cards are involved), high cumulative credit limit across multiple Synchrony accounts, defaulting on payments, suspicious or fraudulent activity, rapid application for numerous Synchrony credit products within a short timeframe, exceeding credit limits frequently, or significant changes in credit profile.

Cliff Effect Rules: Not typically applicable for Synchrony store cards; each card is generally evaluated independently, though overall credit exposure with Synchrony is a factor in new application approvals and credit limit management.

Special Events: Annual Spring/Summer Sales Events, End-of-Season Clearances, Black Friday/Cyber Monday promotions specific to the associated 'freedom-to-ride' merchant network, and exclusive cardholder-only events.

Holiday Promos: Black Friday, Cyber Monday, Christmas/New Year's, Memorial Day, Labor Day, and other major national holidays often feature special financing or discount promotions.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval for specific purchases, useful promotional financing offers.

Top Negative:
High APR after promotional period, limited use outside of partner stores, occasional customer service issues.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One SavorOne Cash Rewards Credit Card
  • Chase Freedom Flex
  • Discover it Cash Back

Card Value Score: 60.0 / 100

Est. Annual Rewards: $25.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2024-03-01

Last Updated: Mar 01, 2024 00:00