Swimsuits For All Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

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Max Reward

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APR From
Basic Information
PENDING

Program ID: swimsuits-for-all-credit-card

Issuer: Synchrony

Card Name: Swimsuits For All Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 09:55

Last Scraped: Feb 17, 2026 09:57

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: 0x

Bonus Rate: 2x

Categories: Purchases at Swimsuits For All

Quarterly Rotating: No

Expiration Policy: Points expire 24 months after they are earned. Reward Certificates expire 90 days after issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Reward Certificates cannot be applied to previous purchases, gift cards, or combined with certain other offers. Minimum redemption amount of $5 applies.

Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0

The Swimsuits For All Credit Card does not charge an annual fee for card membership.

Shopping 4
First Purchase Discount
20% OFF

Cardholders receive a 20% discount on their first purchase when they open and use their Swimsuits For All Credit Card.

Free Shipping
Free Shipping

Cardholders receive free standard shipping on all orders when they use their Swimsuits For All Credit Card.

Annual Birthday Offer
Special birthday offer

Cardholders receive a special promotional offer during their birthday month each year.

Exclusive Cardholder Offers
Varies

Cardholders gain access to exclusive promotions and discounts available only to Swimsuits For All Credit Cardmembers.

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
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers

Promo Financing: Special Financing

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 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Swimsuits For All Credit Card (issued by Synchrony Bank) requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number or ITIN, and meet Synchrony Bank's creditworthiness criteria (typically fair to good credit). New cardholders often receive an immediate discount (e.g., 20% off) on their first purchase upon approval. Ongoing benefits typically include special financing offers on qualifying purchases (e.g., 0% APR for 6 or 12 months on purchases over a certain amount), exclusive cardholder discounts, and early access to sales events at Swimsuits For All. There are generally no traditional 'sign-up bonuses' with a spend requirement like general-purpose credit cards.

Max Cards Per Issuer: 4

Min Spend Interval: Not applicable for traditional sign-up bonuses; promotional financing offers have specific terms (e.g., '6 months 0% APR').

Shutdown Risk Triggers: Missed or late payments on any Synchrony account, high utilization on the card, defaulting on other credit obligations, suspected fraudulent activity or account misuse, rapid application for multiple Synchrony cards in a short period, significant adverse changes in credit profile.

Cliff Effect Rules: Not applicable. Synchrony store cards generally operate independently, and there are no 'family' rules that restrict eligibility or benefits based on holding other Synchrony store cards. Each application is assessed individually.

Special Events: Exclusive cardholder discounts, early access to new collections, private sales events, birthday offers, and special financing promotions.

Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/New Year, Memorial Day, Labor Day, and seasonal sales (e.g., Summer Sale, End-of-Season Clearance).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy to get approved, good for initial discounts and promotions, helps build credit.

Top Negative:
High interest rates, limited use only at Swimsuits For All, customer service can be difficult, frequent promotional emails.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Discover it Secured Credit Card
  • Capital One Platinum Secured Credit Card
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $45.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: 03/01/2024