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Benefits

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Reward Categories

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Max Reward

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Basic Information
PENDING

Program ID: synchrony-sport-credit-card

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:22

Last Scraped: Feb 15, 2026 16:39

SCRA Benefits (Military Members)

Synchrony complies with SCRA, providing a 6% interest rate cap on pre-service obligations for active duty servicemembers.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Sporting Goods Purchases 5x Cash Back Purchases made at Dick's Sporting Goods, Golf Galaxy, and Field & Stream stores or online. No Cap
All Other Purchases 1x Cash Back Purchases made everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed)
No Card Benefits Available

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

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
620 - 700
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Synchrony Sport Credit Card is primarily a store-specific or category-specific card. Eligibility requires applicants to be 18+ years old (19+ in AL/NE), a US resident with a valid SSN/ITIN, and meet Synchrony's creditworthiness criteria, which typically ranges from fair to good credit. Income verification may be required. Initial 'bonuses' are generally immediate discounts on first purchases (e.g., 10-20% off) or special financing offers (e.g., 0% APR for 6-12 months on qualifying purchases). These offers are highly variable and tied to the specific retail partner or 'sport' category it serves. Store-specific restrictions apply to rewards earning and redemption.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional sign-up bonuses; specific promotional offers may have short-term spend requirements (e.g., 30-90 days).

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony products, missed payments, high utilization, sudden uncharacteristic spending patterns, suspected fraud, multiple recent applications (especially for high credit limits), defaulting on other Synchrony accounts, or significant changes in credit profile.

Cliff Effect Rules: Synchrony does not have 'card families' in the traditional sense where benefits are shared or restricted across different card products. However, having multiple Synchrony cards, especially with high credit limits, can impact approval for new Synchrony cards due to the issuer's overall exposure to the individual. Each card is generally treated as a separate product tied to its specific retail partner.

Special Events: Frequent store-wide sales, category-specific discounts (e.g., seasonal sports gear), special financing promotions (e.g., 0% APR for X months on purchases over $Y), loyalty program bonus points events, and exclusive cardholder-only offers. These are highly dependent on the specific retail partner associated with the 'Sport' card.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, New Year's Sales, Memorial Day, Labor Day, 4th of July, Back-to-School, and seasonal sports events (e.g., start of baseball season, winter sports season).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval process, especially for building credit. Good rewards and discounts for purchases at the specific sports retailer. Convenient financing options for larger purchases.

Top Negative:
High APR if balances are carried. Customer service can be difficult to reach or resolve issues. Rewards are often limited to the specific store, making the card less versatile. Frequent unsolicited credit limit increases.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One SavorOne Rewards Credit Card
  • Chase Freedom Flex
  • Citi Double Cash Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $135.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0