The Golf Warehouse Credit Card

Synchrony Pending

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1

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: tgw-the-golf-warehouse-credit-card

Issuer: Synchrony

Card Name: The Golf Warehouse Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:11

Last Scraped: Feb 17, 2026 10:12

Apply URL: Visit

Home URL: Visit

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

Bonus Rate: 5x

Categories: Purchases at The Golf Warehouse

Quarterly Rotating: No

Expiration Policy: Rewards expire 12 months from the date they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of 1000 points ($10).

Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing Offer
On purchases of $199 or more

Cardholders can receive special financing on purchases of $199 or more made with their TGW Credit Card. This offer is subject to credit approval, and minimum monthly payments are required. Specific terms and duration of financing may vary and are typically disclosed at the point of sale or in promotional materials.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the TGW Credit Card (2026) requires applicants to be a US resident, at least 18 years of age, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a satisfactory credit history. Application can be completed online or in-store, often with instant decisioning. Initial bonus offers typically include a percentage off the first purchase (e.g., 15% off) or special financing options on qualifying purchases over a certain threshold. All benefits and offers are exclusive to TGW-The Golf Warehouse purchases and are subject to store-specific restrictions and Synchrony Bank's terms and conditions.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional bonus spend; initial offers (e.g., first purchase discount) are typically immediate or within the first billing cycle.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive returns or unusual spending patterns inconsistent with typical retail behavior, missed payments or high utilization on Synchrony or other credit accounts, suspected fraud or identity theft, rapid succession of applications for Synchrony cards.

Cliff Effect Rules: No direct 'cliff effect' rules between different Synchrony store cards. However, overall credit exposure and payment history across all Synchrony accounts are considered when evaluating new applications, credit limit increases, or account maintenance.

Special Events: Major golf tournaments (e.g., Masters, US Open, Open Championship), seasonal golf sales (e.g., Spring Golf Season Kick-off, Fall Clearance), new product launches (e.g., new club models, apparel lines), TGW anniversary sales.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Father's Day, Memorial Day, Labor Day, Back-to-School (for junior golf equipment).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Special financing offers for large purchases; exclusive cardholder benefits and discounts at TGW; relatively easy approval process.

Top Negative:
High standard APR; limited utility outside of TGW; potential for deferred interest if special financing terms are not met; customer service can be inconsistent.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Double Cash Card
  • Capital One Quicksilver Cash Rewards Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 1, 2023