Specialized Credit Card

Synchrony Pending

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0

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: specialized-credit-card

Issuer: Synchrony

Card Name: Specialized Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 14:04

Last Scraped: Feb 05, 2026 13:10

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x on Specialized Category Purchases, 2x on Dining & Entertainment, 1x on all other purchases

Quarterly Rotating: No

Cap Amount: $10,000.00

Expiration Policy: Points do not expire as long as account is active and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

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
PENDING

$0

Cash Back

Requirement: Spend $0 in 0 days

Timing: No traditional sign-up bonus (points/cash) is currently advertised on the Synchrony marketplace page for Specialized. The card primarily offers special financing options on Specialized purchases.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: N/A
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Available
Varies (Experian, TransUnion, Equifax)
Issuer Rules & Policies
PENDING

Rules: Eligibility for the 'specialized-credit-card' in 2026 requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's updated creditworthiness criteria, which includes a strong emphasis on stable income and a clean credit history. Store-specific restrictions on card usage and application limits apply. New cardholders are eligible for a 10% statement credit on their first purchase made within 30 days of account opening, up to a maximum of $50, or a deferred interest promotion on qualifying purchases, subject to specific store terms.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (if applicable to bonus categories), high cumulative credit limit across all Synchrony accounts, excessive credit seeking (multiple applications in a short period), missed payments or delinquency, abuse of promotional financing offers (e.g., 0% APR, deferred interest), suspicious or unusual spending patterns inconsistent with typical card usage, and failure to adhere to store-specific usage terms.

Cliff Effect Rules: Synchrony does not typically enforce 'card family' rules like other major issuers. However, reaching a high cumulative credit limit across multiple Synchrony accounts can trigger an internal 'cliff effect,' leading to automatic declines for new applications or proactive credit limit reductions on existing accounts. This is based on Synchrony's internal risk assessment of total credit exposure relative to the customer's income and credit profile.

Special Events: Expect enhanced promotional offers during major retail events such as Black Friday, Cyber Monday, Memorial Day Sales, Labor Day Sales, store anniversary events, and exclusive 'Friends & Family' shopping periods.

Holiday Promos: Anticipate special financing or discount promotions during key holiday periods including Christmas/New Year, Easter, Mother's Day, Father's Day, and Halloween.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Users appreciate the special financing options for large purchases, making high-value items like bikes more accessible. The no annual fee is also a plus.

Top Negative:
Common complaints include high deferred interest rates if promotional periods are not met, limited acceptance outside of Specialized, and occasional issues with customer service or account management.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Trek Credit Card
  • Dick's Sporting Goods Credit Card
  • Chase Freedom Unlimited

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0