Swimsuits For All Credit Card

Synchrony Mastercard Pending

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6

Benefits

0

Reward Categories

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Max Reward

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APR From
Basic Information
PENDING

Program ID: swimsuits-for-all-mastercard

Issuer: Synchrony

Card Name: Swimsuits For All Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 16:30

Last Scraped: Feb 17, 2026 16:33

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers Servicemembers Civil Relief Act (SCRA) benefits, including a 0% APR on balances outstanding when active duty began, and protection from default judgments for eligible active duty Servicemembers.

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: 2x

Categories: 2x at Swimsuits For All and sister brands (Roaman's, Jessica London, Woman Within, KingSize, BrylaneHome, OneStopPlus, Ellos, Catherines, Intimates For All, FullBeauty Outlet)

Quarterly Rotating: No

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

Point Value: 0.03¢

Travel Portal Multiplier: 1x

Redemption Penalties: Reward Certificates are for merchandise purchases only and cannot be used for cash, gift cards, or to pay your credit card bill. Certificates are only redeemable at Swimsuits For All and its sister brands (Roaman's, Jessica London, Woman Within, KingSize, BrylaneHome, OneStopPlus, Ellos, Catherines, Intimates For All, FullBeauty Outlet). Certificates may have minimum purchase requirements.

Benefits & Protections (Detailed) 6 Total
PENDING
Lifestyle 1
Online Account Management
N/A

Conveniently manage your credit card account online, including viewing statements, making payments, and updating personal information.

Security 3
Zero Liability Protection
Full protection

Protects cardholders from unauthorized purchases made with their card. Cardholders are not held responsible for unauthorized transactions.

ID Theft Protection
N/A

Provides identity theft resolution services, including monitoring for suspicious activity and assistance with identity restoration.

Global Service
N/A

Provides emergency assistance services anytime, anywhere, for lost or stolen cards, emergency cash advances, and emergency card replacement.

Shopping 2
Special Financing Offers
Varies by promotion

Access to special financing promotions on eligible purchases made with the card at Swimsuits For All.

Exclusive Savings and Discounts
Varies by offer

Receive exclusive discounts, promotional offers, and early access to sales for cardholders at Swimsuits For All.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
Not specified
Not specified
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: The Swimsuits For All Mastercard typically offers a one-time bonus, such as a percentage discount (e.g., 20%) on the first purchase made with the card, or a small statement credit after the first purchase within a short timeframe (e.g., 30 days of account opening). Complex tiered spend bonuses are not common for this type of card. Eligibility Requirements for application generally include: being 18 years or older (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a verifiable source of income. Applicants are subject to Synchrony's credit approval process, which considers credit history, income, and existing credit obligations. A fair to good credit score (typically 640+) is often preferred, though Synchrony may approve applicants with lower scores for store-branded cards based on overall credit profile.

Max Cards Per Issuer: 7

Min Spend Interval: First purchase or within 30 days of account opening

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across all Synchrony accounts relative to income, sudden and drastic changes in spending patterns, high utilization on Synchrony cards, missed or late payments on any credit account, opening a large number of new credit accounts with other issuers in a short period, or defaulting on other Synchrony accounts.

Cliff Effect Rules: Synchrony does not typically enforce 'card family' rules that prevent bonus eligibility based on holding other cards within a specific product family. However, general Synchrony policies regarding total credit exposure and overall creditworthiness apply across all their products. Approval for new cards may be impacted by existing Synchrony credit lines, their utilization, and the applicant's overall credit profile.

Special Events: Cardholders can expect exclusive discounts during promotional periods, special financing offers (e.g., 0% APR for X months on qualifying purchases at Swimsuits For All), early access to sales or new collections, and potential birthday or anniversary rewards. The card often integrates with the retailer's loyalty program, offering enhanced rewards or benefits for card usage.

Holiday Promos: Key promotional periods typically align with major retail holidays: Black Friday/Cyber Monday (November-December), Memorial Day (May), Fourth of July (July), Labor Day (September), Mother's Day (May), Father's Day (June), Back-to-School (August), and various seasonal clearance events (e.g., End of Summer, Winter Clearance).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Good rewards and special financing for loyal customers, plus general Mastercard acceptance.

Top Negative:
High interest rates if not paid in full, and rewards are limited to the brand.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Target RedCard Mastercard
  • Amazon Prime Rewards Visa Signature Card
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $60.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023