Liberty Travel Credit Card

Synchrony Pending

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4

Benefits

4

Reward Categories

3x

Max Reward

—

APR From
Basic Information
PENDING

Program ID: liberty-travel-credit-card

Issuer: Synchrony

Card Name: Liberty Travel Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:29

Last Scraped: Feb 17, 2026 05:30

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Travel 3x Points Purchases made at Liberty Travel No Cap
Gas 2x Points Purchases at gas stations No Cap
Groceries 2x Points Purchases at grocery stores No Cap
All Other Purchases 1x Points All eligible purchases not categorized as Liberty Travel, gas, or groceries No Cap
Rewards Summary
PENDING

Reward Type: Points

Quarterly Rotating: No

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 4 Total
PENDING
Financing 4
0% APR for 6 Months (Purchases $299+)
0% APR for 6 months

Special financing offer providing 0% Annual Percentage Rate (APR) for 6 months on qualifying purchases of $299 or more made with the Liberty Travel Credit Card. Minimum monthly payments are required.

0% APR for 12 Months (Purchases $999+)
0% APR for 12 months

Special financing offer providing 0% Annual Percentage Rate (APR) for 12 months on qualifying purchases of $999 or more made with the Liberty Travel Credit Card. Minimum monthly payments are required.

0% APR for 18 Months (Purchases $1,999+)
0% APR for 18 months

Special financing offer providing 0% Annual Percentage Rate (APR) for 18 months on qualifying purchases of $1,999 or more made with the Liberty Travel Credit Card. Minimum monthly payments are required.

0% APR for 24 Months (Purchases $2,999+)
0% APR for 24 months

Special financing offer providing 0% Annual Percentage Rate (APR) for 24 months on qualifying purchases of $2,999 or more made with the Liberty Travel Credit Card. Minimum monthly payments are required.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Projected for 2026: New cardholders typically receive a one-time bonus (e.g., statement credit, bonus points/miles convertible to travel credit) upon meeting a specified spending threshold within the initial 3-6 months of account opening. Specific offers vary but often include an initial discount on a Liberty Travel booking or a points bonus. Eligibility requirements: Applicants must be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to creditworthiness, including credit history and income. Synchrony may consider existing credit relationships with the issuer. Store-specific restrictions and promotional eligibility may apply, meaning certain offers might be limited to new customers or specific booking types with Liberty Travel.

Max Cards Per Issuer: 7

Min Spend Interval: 3-6 months

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (numerous Synchrony applications in a short period), high cumulative credit limit across Synchrony accounts relative to income, repeated abuse of promotional offers (e.g., 0% APR, deferred interest), failure to make timely payments, suspicious account activity, or suspected fraud.

Cliff Effect Rules: Synchrony generally does not have complex 'card family' or 'once-per-lifetime' rules for its co-branded cards like some major issuers. Each card is typically treated as a standalone product. However, eligibility for specific sign-up bonuses is usually limited to new cardholders who have not had the specific product before.

Special Events: Liberty Travel-specific promotions, such as discounts on specific travel packages, bonus points on bookings during certain periods, exclusive access to travel deals, or special financing offers for large travel purchases. These are often tied to seasonal travel trends or partner promotions.

Holiday Promos: While a travel card, it may still participate in broader Synchrony or Liberty Travel holiday promotions, especially around major travel booking seasons (e.g., Black Friday/Cyber Monday for travel deals, New Year's resolution travel planning).

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for financing travel purchases; special promotional financing offers; no annual fee.

Top Negative:
High interest rates after promotional periods; deferred interest can be confusing; limited utility outside of Liberty Travel; customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Sapphire Preferred Card
  • Capital One VentureOne Rewards Credit Card
  • Bank of America Travel Rewards Credit Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $200.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: February 2024