Program ID: synchrony-outdoors-credit-card

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:29

Last Scraped: Feb 15, 2026 16:45

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2x

Categories: Purchases at Bass Pro Shops and Cabela's

Quarterly Rotating: No

Expiration Policy: Points expire 12 months after the date they are earned. Issued reward certificates expire 90 days after issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards are redeemable only at Bass Pro Shops and Cabela's stores, websites, and restaurants. Minimum redemption amounts apply (e.g., $5, $10, $25, $50 increments).

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

Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Rules: Eligibility Requirements (2026): Applicants must be a U.S. resident, 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a good to excellent credit history (typically FICO score 670+). Application is primarily online, often with instant decisioning. Bonus Rule (Hypothetical 2026): Earn a $50 statement credit after spending $500 on eligible purchases within the first 90 days of account opening. This offer is typically available only to new cardholders.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Cliff Effect Rules: Synchrony does not typically enforce 'card family' rules for bonus eligibility in the same way as some other major issuers. However, approvals for new Synchrony cards are heavily influenced by the applicant's total credit exposure across all existing Synchrony accounts. Reaching a high cumulative credit limit across multiple Synchrony cards can significantly reduce the likelihood of approval for additional cards, regardless of individual creditworthiness, effectively creating a 'cliff' for new applications.

Special Events: Seasonal sales (e.g., Spring Fishing Event, Fall Hunting Gear Sale, Winter Sports Clearance), brand-specific promotions (e.g., 20% off YETI products, special financing on Garmin devices), outdoor expo tie-ins, and loyalty program exclusive offers.

Holiday Promos: Black Friday/Cyber Monday, Christmas/New Year, Memorial Day Sale, 4th of July Sale, Labor Day Sale, Father's Day/Mother's Day promotions.

International Friendly: No

User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Good rewards for specific outdoor store purchases, easy application process, useful for building credit for some users.

Top Negative:
Frequent complaints about customer service, high APR, limited rewards outside of partner stores, and occasional credit limit decreases.

Approval Experience: 65.0 / 100

Recommended Alternatives

• REI Co-op Mastercard
• Chase Sapphire Preferred
• Capital One SavorOne Rewards Credit Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $240.00

Approval Probability: 75.0%

Version ID: v1.0