6
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: specialized-bicycle-credit-card
Issuer: Synchrony
Card Name: Specialized Bicycle Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Federal law provides protections to members of the Armed Forces and their dependents, limiting the cost of credit to an annual percentage rate of 36 percent, which includes various fees and charges. For more information, call 1-866-893-7864.
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 6 Total
PENDINGFinancing 6
Promotional Financing: 0% APR for 6 Months
0% APR for 6 months on purchases $250+Receive 0% APR promotional financing for 6 months on qualifying purchases of $250 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the 6-month promotional period.
Promotional Financing: 0% APR for 12 Months
0% APR for 12 months on purchases $500+Receive 0% APR promotional financing for 12 months on qualifying purchases of $500 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the 12-month promotional period.
Promotional Financing: 0% APR for 18 Months
0% APR for 18 months on purchases $1000+Receive 0% APR promotional financing for 18 months on qualifying purchases of $1000 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the 18-month promotional period.
Promotional Financing: 0% APR for 24 Months
0% APR for 24 months on purchases $1500+Receive 0% APR promotional financing for 24 months on qualifying purchases of $1500 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the 24-month promotional period.
Promotional Financing: 0% APR for 36 Months
0% APR for 36 months on purchases $2500+Receive 0% APR promotional financing for 36 months on qualifying purchases of $2500 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the 36-month promotional period.
Promotional Financing: 0% APR for 48 Months
0% APR for 48 months on purchases $3500+Receive 0% APR promotional financing for 48 months on qualifying purchases of $3500 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the 48-month promotional period.
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| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Special Financing
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility requires applicants to be 18+ years old, a US resident, and possess a valid SSN or ITIN. While good to excellent credit is preferred, Synchrony may approve applicants with fair credit depending on their overall financial profile. The primary benefit is deferred interest financing (e.g., 0% APR for 6, 12, or 18 months) on qualifying purchases, typically above a specified minimum threshold (e.g., $299, $499, $999). If the promotional balance is not paid in full by the end of the period, all accrued interest from the purchase date will be charged. Applications are processed online or in-store at authorized Specialized Bicycle retailers. This card is restricted for use only at participating Specialized Bicycle retailers and their official online stores.
Max Cards Per Issuer: 5
Min Spend Interval: 6 to 18 months (for deferred interest financing)
Cliff Effect Rules: Synchrony does not have explicit 'cliff effect' rules like some major issuers (e.g., 5/24). However, approvals for new Synchrony cards are heavily influenced by the applicant's overall credit profile, existing Synchrony credit exposure, and recent credit inquiries. Reaching a high cumulative credit limit across Synchrony accounts can lead to automatic denials for new applications or credit limit reductions on existing accounts.
Special Events: Seasonal sales (e.g., Spring/Summer cycling season, Fall clearance), new model launches, anniversary sales, and specific in-store promotions at Specialized Bicycle retailers.
Holiday Promos: Major US holidays such as Memorial Day, Labor Day, Black Friday, Cyber Monday, and Christmas/Year-End sales often feature enhanced deferred interest offers or special discounts when using the card.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Ability to finance expensive bicycle purchases with deferred interest; No annual fee; Easy application process; Helps spread out the cost of a new bike or gear.
Top Negative:
Very high standard APR (29.99%) if promotional period is missed; Customer service issues with Synchrony Bank; Credit limits can be low; Only useful for Specialized purchases; Aggressive late payment fees/interest.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Capital One Quicksilver
Card Value Score: 55.0 / 100
Est. Annual Rewards: $25.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0