Sweetwater Card
Basic Information
Program ID: sweetwater-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 11:52
Last Scraped: 01/15/2026 11:54
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| 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: $50.00
Spending Requirement: $250.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Sweetwater Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Sweetwater Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Sweetwater Card, issued by Synchrony, primarily offers promotional financing options for purchases made at Sweetwater.com or Sweetwater retail locations. For 2026, typical bonus rules are expected to continue focusing on deferred interest financing (e.g., 6, 12, 24, 36, or 48 months on qualifying purchases) rather than traditional spend-based bonuses. Eligibility requirements for new applicants are anticipated to remain consistent with Synchrony's general underwriting standards: **Eligibility Requirements (2026):** * Must be a U.S. resident, 18 years of age or older. * Possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). * Demonstrate sufficient verifiable income to support new credit. * Maintain a good to excellent credit history (FICO scores typically 670+ for optimal approval odds, though store cards may sometimes approve lower). * No recent bankruptcies or severe delinquencies on credit reports. * Applicants must adhere to Synchrony's internal velocity rules, which may limit the number of new Synchrony accounts opened within a short period (e.g., 1-2 new accounts within 6 months). * Overall credit exposure with Synchrony across all existing accounts will be a significant factor in approval decisions. * The card is subject to store-specific restrictions, meaning it is primarily for Sweetwater purchases and cannot be used elsewhere.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional spend-based bonuses; promotional financing periods vary (e.g., 6, 12, 24, 36, 48 months). If a traditional spend bonus were introduced, it would typically be 3 months.
Shutdown Risk Triggers: Common triggers for account review or shutdown by Synchrony include: high cumulative credit limit across multiple Synchrony accounts, missed or late payments on any Synchrony account, high utilization across Synchrony accounts, suspected fraudulent activity, rapid accumulation of multiple Synchrony accounts, abuse of promotional financing terms (e.g., repeated failure to pay off deferred interest balances), and sudden, uncharacteristic large purchases inconsistent with past spending patterns.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Easy approval process, excellent 0% financing options for large purchases, helps manage cash flow for music gear, convenient for frequent Sweetwater shoppers.
Top Negative Feedback:
High deferred interest APR if promotional terms are not met, customer service can be challenging, limited utility outside Sweetwater, potential for credit limit issues.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Discover it Cash Back
Card Value Score: 70.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v2023-10