Basic Information
Program ID: synchrony-sport-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier:
Data Complete: Yes
Created: 01/15/2026 13:22
Last Scraped: 01/15/2026 13:24
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Rewards Program
Reward Type: Store Credit / Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x at Sporting Goods Retailer, 1x on all other purchases
Point Value Estimate: 0.0300 cents/point
Expiration Policy: Points expire 12 months after they are earned.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for Synchrony store cards, including sports-related variants, requires applicants to be 18+ years old, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). A fair to good credit score (typically 640+) is generally required, though approval can sometimes occur with lower scores depending on the specific retail partner and overall credit profile. Bonus rules for new cardholders often include an initial discount on the first purchase (e.g., 10-20% off) or a small statement credit after meeting a low spend threshold within the first 30-90 days. Specific bonus offers are highly dependent on the individual retail partner.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 30-90 days
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (high application velocity), high cumulative credit limit across Synchrony accounts, prolonged inactivity on specific store cards, repeated late payments, returned payments, or any activity deemed fraudulent or in violation of the cardholder agreement.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.5 / 5.0
Top Positive Feedback:
Easy approval for credit building, attractive store-specific discounts and promotional financing offers.
Top Negative Feedback:
Frequent complaints about high APRs, poor customer service, low credit limits, and confusing deferred interest policies.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Discover it Secured
- Capital One Platinum Secured
- Target RedCard
Card Value Score: 60.0 / 100
Est. Annual Rewards: $110.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 90% Store/Co-brand / 10% General Purpose
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0