4
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGProgram ID: freedom-to-ride-mastercard
Issuer: Synchrony
Card Name: Specialized Freedom to Ride Mastercard®
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony Bank offers benefits under the Servicemembers Civil Relief Act (SCRA), potentially reducing interest rates to 6% for debts incurred prior to active duty. It also complies with the Military Lending Act (MLA).
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 4 Total
PENDINGAccount Management 1
Easy Online Account Management
Manage your account, make payments, and view statements conveniently online through Synchrony Bank's cardholder portal.
Financial 1
No Annual Fee
$0The Specialized Freedom to Ride Mastercard does not charge an annual fee for card membership.
Shopping 2
Special Financing Options at Specialized
Varies by promotion (e.g., 0% APR for 6, 12, or 18 months)Access to special financing promotions, such as 0% APR for a specified period, on eligible purchases made at Specialized.
Exclusive Cardholder Offers
Varies by offerAccess to special promotions and discounts available only to Specialized Freedom to Ride Mastercard holders.
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 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 3.00% |
Interest Rates & APR
PENDINGStandard APR
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the freedom-to-ride-mastercard requires applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number or ITIN. A fair to good credit score is generally required for approval. New cardholders can earn a $50 statement credit after spending $500 on eligible purchases within the first 90 days of account opening. Store-specific restrictions apply to bonus redemption and ongoing rewards, primarily focused on 'freedom-to-ride' related merchants and categories, meaning rewards may be limited to specific partner stores or purchase types.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not typically have 'cliff effect' rules that reduce rewards or benefits based on the number of cards held. However, approvals for new Synchrony cards become significantly more difficult once a cardholder reaches a high cumulative credit limit across all their Synchrony accounts, potentially leading to denials for new applications regardless of individual card eligibility.
Special Events: Exclusive financing offers (e.g., 0% APR for 6, 12, or 18 months on qualifying 'freedom-to-ride' purchases), special discounts during store-specific sales events, and loyalty program integration with 'freedom-to-ride' partners.
Holiday Promos: Black Friday/Cyber Monday, Memorial Day, Labor Day, Independence Day, and other major retail holidays throughout the year.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Users appreciate the special financing options for Specialized purchases, making high-value items more accessible. The card also offers rewards on everyday spending, adding value beyond just store purchases.
Top Negative:
Common complaints include high APRs outside of promotional periods, occasional issues with Synchrony customer service, and difficulty understanding financing terms for some users.
Approval Experience: 68.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- REI Co-op Mastercard
Card Value Score: 75.0 / 100
Est. Annual Rewards: $180.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0