1
Benefits0
Reward Categories—
Max Reward32%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 1 Total
PENDINGShopping 1
Special Financing Offers
Varies by promotionCardholders may receive access to special financing promotions on eligible purchases made with the TGW Store Card. Specific terms and conditions, including promotional periods and minimum purchase requirements, apply and vary by offer.
Benefits Summary (Flags)
PENDINGExtended 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 |
| 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
PENDINGStandard APR
Purchase APR: 31.99% - 31.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The tgw-the-golf-warehouse-store-card is issued by Synchrony Bank and is primarily for use at The Golf Warehouse (TGW) and its affiliated properties. Eligibility requirements typically include being at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria. Application is subject to credit approval. Bonus rules often include an initial discount (e.g., 10-15% off the first purchase) or special promotional financing offers (e.g., 0% APR for a set period on qualifying purchases). These offers are usually applied at the time of purchase or statement credit, rather than requiring a traditional spend interval.
Max Cards Per Issuer: 5
Min Spend Interval: Not applicable for typical store card initial discounts (usually immediate). Special financing offers are tied to specific purchase amounts, not a time interval for meeting a bonus.
Cliff Effect Rules: Not applicable in the traditional sense of card family rules. However, failure to meet minimum payments or adhere to the terms of promotional financing offers will result in the loss of promotional rates and may lead to retroactive interest charges from the original purchase date.
Special Events: Major golf tournaments (e.g., The Masters, US Open, PGA Championship), seasonal golf sales (e.g., Spring Launch, Fall Clearance), new product launches from major golf brands, TGW-specific anniversary sales, and customer appreciation events.
Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, New Year's, Memorial Day, Labor Day, Father's Day, and other general retail holiday periods.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Easy approval process, useful for frequent TGW shoppers, special financing offers on large purchases.
Top Negative:
High interest rates, limited use outside of TGW, occasional customer service issues.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Discover it Secured Credit Card
- Amazon Store Card (Synchrony)
Card Value Score: 60.0 / 100
Est. Annual Rewards: $40.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0