Trek Card

Synchrony Pending

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1

Benefits

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Reward Categories

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Max Reward

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Basic Information
PENDING

Program ID: trek-financing-credit-card

Issuer: Synchrony

Card Name: Trek Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:49

Last Scraped: Feb 17, 2026 10:51

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides information and assistance to military customers and their families, who may be entitled to benefits under the Servicemembers Civil Relief Act (SCRA) if they are active duty Servicemembers or dependents.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Access to Special Financing Offers
Varies by promotional offer

Cardholders gain access to special financing offers on qualifying purchases made with their Trek Credit Card at participating Trek retailers in the U.S. and on trekbikes.com. These offers are subject to credit approval, and minimum monthly payments are required. Specific terms and availability of offers may vary and are subject to change.

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
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
PENDING
Standard APR
Intro APR Offers

Promo Financing: Special Financing

Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Trek Financing Credit Card, issued by Synchrony Bank, primarily offers promotional financing (e.g., 0% APR for X months) on qualifying purchases made at Trek Bicycle stores and authorized Trek retailers. Specific promotional terms (duration and minimum purchase amount) vary and are subject to change. There is typically no traditional sign-up bonus (e.g., points or cash back) associated with this card. Eligibility requirements for application include being at least 18 years old, a U.S. resident, and possessing a valid Social Security Number or ITIN. All applications are subject to Synchrony Bank's credit approval process, with better credit scores generally qualifying for the most favorable promotional offers. The card is exclusively for purchases at Trek-affiliated merchants and cannot be used elsewhere.

Max Cards Per Issuer: 3

Min Spend Interval: N/A - Promotional financing applies to qualifying purchases at the point of sale, rather than requiring a minimum spend for a separate bonus.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive credit seeking (numerous applications in a short period), late or missed payments on any Synchrony account, breach of terms and conditions (e.g., fraudulent activity), or significant adverse changes in credit profile.

Cliff Effect Rules: Not applicable. Store-specific financing cards like the Trek card do not typically have 'card family' rules or 'cliff effects' similar to general-purpose credit card ecosystems.

Special Events: Promotional financing offers are frequently tied to Trek-specific sales events such as Spring Sales, Summer Cycling Events, End-of-Season Clearances, new model launches, and anniversary sales. These events often feature enhanced financing terms for larger purchases.

Holiday Promos: Special financing promotions are commonly offered during major retail holiday periods, including but not limited to Memorial Day, Labor Day, Black Friday/Cyber Monday, and the Christmas/New Year holiday shopping season.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Access to special financing offers for bike purchases; Ability to spread out payments for large purchases; Quick approval process.

Top Negative:
High deferred interest APR if not paid in full; Limited use outside of Trek stores; Can be confusing to manage deferred interest terms.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Custom Cash Card
  • Discover it Cash Back

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 01/24