Schwinn Credit Card
Basic Information
Program ID: schwinn-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:08
Last Scraped: 01/15/2026 14:09
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: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| 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: 0 days
Bonus Timing: No traditional sign-up bonus (e.g., cash back, points, statement credit for meeting a spend threshold) is advertised for the Schwinn Credit Card. The primary offers are special financing options.
Rewards Program
Reward Type: Store Credit / Discounts
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Schwinn Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after issuance or upon account closure.
Transfer Partners: N/A
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
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
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: Applicants for the Schwinn Credit Card must be 18 years or older, possess a valid U.S. Social Security Number or ITIN, maintain a U.S. mailing address, and meet Synchrony Bank's creditworthiness criteria. Applications are typically processed online via the Schwinn website or in participating Schwinn retail locations. The card primarily offers special financing promotions rather than traditional sign-up bonuses. Typical offers for 2026 are expected to include 0% APR for 6, 12, 18, or 24 months on qualifying purchases (e.g., purchases over $299, $499, or $799). These promotions often feature deferred interest, meaning if the promotional balance is not paid in full by the end of the period, interest is charged retroactively from the purchase date.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A (promotional financing periods typically 6-24 months)
Shutdown Risk Triggers: Manufactured spending (less common for store cards but still a risk), high cumulative credit limit across Synchrony accounts, excessive credit applications within a short period, consistent minimum payments on promotional balances without full repayment, delinquency, suspected fraud, or abuse of promotional financing terms (e.g., frequent returns after promo period starts).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy financing for large purchases at Schwinn; helps spread out the cost of bikes and accessories; convenient for loyal Schwinn customers.
Top Negative Feedback:
High interest rates if promotional financing isn't paid off; limited use outside of Schwinn; customer service can be challenging.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Synchrony Amazon Store Card
- Synchrony Lowe's Advantage Card
- Synchrony JCPenney Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: 03/01/2024