TGW The Golf Warehouse Credit Card

Synchrony Mastercard Pending

Back Apply Now

2

Benefits

4

Reward Categories

3x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: tgw-the-golf-warehouse-mastercard

Issuer: Synchrony

Card Name: TGW The Golf Warehouse Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:13

Last Scraped: Feb 17, 2026 10:14

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Online Shopping 3x Points Purchases made at TGW.com No Cap
Gas 2x Points Purchases at gas stations No Cap
Dining 2x Points Purchases at restaurants No Cap
All Other Purchases 1x Points All eligible purchases not falling into other bonus categories No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 3x

Categories: Purchases at The Golf Warehouse

Quarterly Rotating: No

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

Point Value: 0.01¢

Benefits & Protections (Detailed) 2 Total
PENDING
Shopping 2
Special Financing Offers
Varies by offer and purchase amount

Cardholders may be eligible for special financing on qualifying purchases made with the TGW Mastercard, allowing for deferred interest or reduced interest rates over a promotional period.

Exclusive Cardholder Offers
Varies by offer

Access to special promotions, discounts, and deals available only to TGW Mastercard cardholders.

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: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance 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 & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

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. Minimum monthly payments required. See account agreement for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the tgw-the-golf-warehouse-mastercard typically requires applicants to be a U.S. resident, 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate a good to excellent credit history with sufficient income. While Synchrony can be more lenient than prime issuers, recent bankruptcies or severe delinquencies may lead to denial. The sign-up bonus for 2026 is projected to be a statement credit (e.g., $50-$100) after spending a specified amount (e.g., $500) within the first 90 days, or a percentage off the first purchase (e.g., 15-20%). Rewards earned are primarily redeemable at The Golf Warehouse.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive returns, failure to make timely payments, suspicious account activity, opening too many Synchrony accounts in a short period, or significant changes in credit profile.

Cliff Effect Rules: Synchrony does not enforce strict 'card family' rules or 'once-per-lifetime' bonus restrictions like some other issuers. However, they monitor total credit exposure across all Synchrony accounts. Accumulating a very high total credit limit or opening numerous Synchrony accounts in a short timeframe can lead to denials for new applications, credit limit reductions, or even account closures on existing cards due to perceived risk.

Special Events: The Golf Warehouse specific sales events (e.g., Spring Golf Sale, Fall Clearance, specific brand promotions), new product launches, member-exclusive events, and anniversary sales.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Father's Day, Memorial Day, Labor Day, and other major U.S. holidays often feature special promotions.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Strong rewards for TGW purchases; useful for golf enthusiasts; decent rewards on gas and groceries.

Top Negative:
Lower rewards on general spending; limited appeal outside of TGW shoppers; potentially higher APR for some users.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
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Card Value Score: 65.0 / 100

Est. Annual Rewards: $90.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0