Specialized Credit Card
Basic Information
Program ID: specialized-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:04
Last Scraped: 01/15/2026 14:06
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| 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
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 (points/cash) is currently advertised on the Synchrony marketplace page for Specialized. The card primarily offers special financing options on Specialized purchases.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on Specialized Category Purchases, 2x on Dining & Entertainment, 1x on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
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.
Maximum Cards Per Issuer: 5
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0