Trek Credit Card
Basic Information
Program ID: trek-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:02
Last Scraped: 01/15/2026 14:04
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| 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%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No traditional sign-up bonus (points/cash back) is offered for this card. The primary welcome offer is promotional financing options (e.g., 0% APR for X months on qualifying purchases).
Rewards Program
Reward Type: Financing Offers & Promotional Discounts
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - The Trek Credit Card, issued by Synchrony, primarily offers special financing on eligible Trek bicycle and accessory purchases. It does not feature a traditional points or cashback rewards program with bonus spending categories.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - This card does not earn traditional points or rewards that expire. Promotional financing terms and conditions apply to specific purchases and are subject to the cardholder agreement.
Transfer Partners: N/A - This card does not earn transferable points and therefore has no transfer partners.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 739
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Trek Credit Card, issued by Synchrony, primarily offers special financing promotions rather than traditional sign-up bonuses. For 2026, expect offers such as 0% APR for 6, 12, or 18 months on qualifying Trek purchases above a specified minimum (e.g., $199, $499, $999). Eligibility requirements typically include being 18 years or older (19 in AL/NE), a US resident with a valid SSN or ITIN, and demonstrating sufficient income and a credit profile ranging from fair to excellent. Approval is subject to Synchrony's credit underwriting standards.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional bonus spend as the primary benefit is special financing. If a rare promotional spend bonus were offered, a typical interval would be 3-6 months.
Shutdown Risk Triggers: Manufactured spending (less common for store cards but still a general risk), excessive cumulative credit limit across all Synchrony accounts, frequent applications for new Synchrony cards in a short period, missed payments or delinquency on any Synchrony account, abuse of promotional financing terms (e.g., not paying off deferred interest balances), and suspicious or fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Excellent for financing expensive bike purchases with 0% APR offers. No annual fee is a great benefit for loyal Trek customers. Exclusive cardholder offers can provide good value.
Top Negative Feedback:
High interest rates apply if promotional financing is not paid in full. Card is only accepted at Trek retailers, limiting its general utility. Customer service can sometimes be slow or unhelpful.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- REI Co-op Mastercard
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0