Swimsuits For All Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: swimsuits-for-all-store-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 17:19

Last Scraped: Feb 17, 2026 17:21

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony provides benefits and protections to eligible servicemembers and their dependents under the Servicemembers Civil Relief Act (SCRA), including an interest rate reduction to 6% on eligible balances incurred prior to active duty, protection from default judgments, and other relief.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

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

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

Lifestyle 1
Online Account Management

Conveniently manage your Swimsuits For All Credit Card account online, including viewing statements, making payments, and updating personal information.

Shopping 3
First Purchase Discount
20% off first purchase

Receive 20% off your initial purchase when you open and use the Swimsuits For All Credit Card.

Special Financing Offers
Varies by offer

Cardholders may be eligible for special financing offers on qualifying purchases made with the Swimsuits For All Credit Card. Specific terms and conditions apply and are subject to credit approval.

Exclusive Cardholder Offers
Varies by offer

Access to special promotions and discounts available only to Swimsuits For All Credit Card holders.

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
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

Purchase APR: 32.24% - 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 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: Application Eligibility: Applicants must be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony Bank's creditworthiness criteria. Bonus Rule: New cardholders typically receive a percentage discount (e.g., 20-25%) on their first purchase made with the card within a specified period (e.g., 30-60 days of account opening). Ongoing rewards may include points per dollar spent at Swimsuits For All, exclusive cardholder discounts, and special financing offers on qualifying purchases.

Max Cards Per Issuer: 6

Min Spend Interval: 30-60 days (for first purchase discount)

Shutdown Risk Triggers: High utilization across Synchrony accounts, multiple recent applications with Synchrony, defaulting on any Synchrony account, suspicious activity (e.g., rapid increase in credit limit requests followed by maxing out).

Cliff Effect Rules: Store cards generally do not have complex 'card family' rules or 'cliff effects' related to points transferability or downgrade paths. Each card is typically a standalone product tied to the specific retailer's loyalty program.

Special Events: Exclusive cardholder sales events, early access to new collections, birthday discounts, and free standard shipping promotions.

Holiday Promos: Enhanced rewards or special financing offers during major retail holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Mother's Day, Memorial Day, and Labor Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, good for building credit, occasional discounts on store purchases.

Top Negative:
High APR, limited use outside of the specific store, customer service can be slow.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Synchrony HOME Credit Card
  • Amazon Store Card
  • Capital One Platinum Secured Credit Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $100.00

Approval Probability: 85.0%

Version Control
No Version Control Available

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