1
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 1 Total
PENDINGFinancing 1
Special Financing on Qualifying Purchases
Available on purchases of $299 or moreCardholders can access special financing options on purchases of $299 or more made with the Specialized Bicycle Components Credit Card. This allows for deferred interest or 0% APR for a promotional period, subject to credit approval and minimum monthly payments. Specific terms and promotional periods may vary and are available at the time of purchase or in the cardholder agreement.
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 |
| 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
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 36 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Application Eligibility: Applicants must be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. Approval is subject to a credit history review. Bonus/Promotional Rules: The primary benefit is promotional financing offers (e.g., 0% APR for specified periods like 6, 12, 18, or 24 months) on qualifying purchases made at Specialized Bicycles retailers. These offers typically require a minimum purchase amount and are subject to deferred interest if the promotional balance is not paid in full by the end of the promotional period. Specific offers vary by promotion and purchase amount.
Max Cards Per Issuer: 6
Min Spend Interval: Not applicable for traditional spend bonuses; benefits are tied to promotional financing on qualifying purchases.
Cliff Effect Rules: Not applicable for this store-specific credit card; no known card family or bonus eligibility restrictions across Synchrony's broader portfolio.
Special Events: Annual Spring/Summer Cycling Sales, New Model Year Launches (typically late summer/fall), Holiday Season Promotions, specific cycling event tie-ins, End-of-Season Clearance Events.
Holiday Promos: Memorial Day Weekend, Independence Day, Labor Day Weekend, Black Friday / Cyber Monday Week, Christmas / New Year's Season.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Great for financing a new bike or gear; easy approval process; no annual fee; useful for spreading out large purchases.
Top Negative:
Beware of deferred interest if balance isn't paid in full by promo end; high APR after promotional period; Synchrony Bank customer service can be challenging; card is only usable at Specialized.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Wells Fargo Reflect Card
- Citi Custom Cash Card
- Chase Freedom Unlimited
Card Value Score: 65.0 / 100
Est. Annual Rewards: $449.85
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: 2024-01-01