Summit Racing Equipment SpeedCard

Synchrony Pending

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4

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: summit-racing-equipment-speedcard

Issuer: Synchrony

Card Name: Summit Racing Equipment SpeedCard

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 09:36

Last Scraped: Feb 17, 2026 09:37

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

Quarterly Rotating: No

Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
No Annual Fee

The Summit Racing Equipment SpeedCard does not charge an annual fee for card membership.

Security 1
Online Account Management
Convenient online access to manage account

Cardholders can conveniently manage their Summit Racing Equipment SpeedCard account online, including viewing statements, making payments, and updating personal information.

Shopping 2
Special Financing Offers
6 Months Special Financing on purchases of $199+; 12 Months Special Financing on purchases of $750+

Cardholders can take advantage of promotional financing options on qualifying purchases made with the Summit Racing Equipment SpeedCard. This includes 6 months special financing on purchases of $199 or more, and 12 months special financing on purchases of $750 or more. Subject to credit approval and minimum monthly payments.

Exclusive Cardholder Offers
Access to exclusive promotions and discounts

Cardholders receive access to special promotions, discounts, and sales events available only to Summit Racing Equipment SpeedCard users.

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
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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Summit Racing Equipment SpeedCard is a private-label store credit card issued by Synchrony Bank, primarily offering special financing promotions on qualifying purchases made at Summit Racing Equipment. Eligibility requirements for 2026 include being at least 18 years of age, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria. While approvals can occur with fair credit, a good credit history generally leads to better terms and higher credit limits. The card does not typically offer a traditional sign-up bonus with a minimum spend requirement; instead, its primary benefit is promotional financing (e.g., 0% APR for a set period with deferred interest) on purchases over a specified amount. Specific promotional offers are subject to change and are usually advertised by Summit Racing Equipment.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable; card offers promotional financing rather than a spend-based sign-up bonus.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, sudden large purchases inconsistent with historical spending patterns, missed payments, exceeding credit limits, suspected fraudulent activity, excessive recent applications with Synchrony, or a significant deterioration in credit score.

Cliff Effect Rules: Synchrony does not have a strict 'cliff effect' rule like Chase's 5/24. However, they do maintain internal underwriting limits on the total credit they are willing to extend to an individual. Applicants with a high number of existing Synchrony accounts or a very high total credit limit across their Synchrony portfolio may face denials for new applications, as each application is evaluated based on overall credit profile and existing Synchrony exposure.

Special Events: The Summit Racing Equipment SpeedCard frequently features enhanced promotional financing offers or exclusive discounts during specific Summit Racing Equipment sales events, such as their annual sales, holiday promotions (e.g., Black Friday, Cyber Monday), and seasonal clearances. These special events are typically advertised directly by Summit Racing.

Holiday Promos: Expect special financing offers and potential exclusive discounts to be available during major retail holiday periods, including but not limited to Black Friday, Cyber Monday, the Christmas/Holiday season, Memorial Day, Labor Day, and other key sales events throughout the year.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Special financing offers are useful for large purchases, especially for auto parts. No annual fee. Relatively easy to get approved for those with fair credit.

Top Negative:
High interest rates apply if promotional financing terms are not met. Customer service can be challenging. Credit limit increases are often difficult to obtain. Card is only usable at Summit Racing.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • AutoZone Credit Card
  • Advance Auto Parts SpeedPerks Credit Card
  • Amazon Store Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0