Synchrony

Synchrony Sport® Credit Card

Credit

$0 Annual Fee

See terms Purchase APR

580+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Purchases The Synchrony Sport financing program is a deferred-interest promotional financing product offered at participating sporting goods retailers and does not earn rewards, points, miles, or cash back on purchases.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Easy Online Account Management Convenient online access to manage your account, view statements, make payments, and check balances anytime.	Account Management	—
No Annual Fee The Synchrony Sport Credit Card does not charge an annual fee for card membership.	Cost Savings	No annual fee Up to $0
Dedicated Credit Line A dedicated credit line is provided specifically for purchases related to sports and outdoor equipment at participating Synchrony Sport retailers.	Financial	—
Special Financing Offers Cardholders can take advantage of special financing options and promotional offers on qualifying purchases made at participating retailers. These offers may include deferred interest or reduced interest rates for a specified promotional period.	Shopping	Varies by promotion and retailer

Fees

Annual Fee $0 — No Annual Fee

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 8 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive new account applications within a short period, defaulting on other Synchrony accounts, abuse of promotional financing offers, or suspicious account activity.

Cliff Effect Rules

Synchrony generally allows multiple cards, but approval for new cards and assigned credit limits are significantly influenced by existing Synchrony credit exposure and recent application history. High credit limits on existing Synchrony cards may lead to lower limits or denials for subsequent applications. There is no strict 'X/24' equivalent, but internal algorithms assess overall risk and credit capacity across all Synchrony products. Different co-branded cards may have varying underwriting criteria.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility requires applicants to be 18 years or older, a U.S. resident, and possess a valid SSN or ITIN. Approval typically requires fair to good credit, though Synchrony is known for a broader approval range for store-branded cards. New cardholders often receive an introductory offer, such as 15% off their first purchase (up to $100) or special promotional financing (e.g., 0% APR for 6-12 months on qualifying purchases). Synchrony generally allows multiple credit card accounts per individual, but new applications are subject to internal review based on recent credit inquiries, overall credit exposure with Synchrony, and creditworthiness. While there isn't a strict limit on applications per year, excessive applications in a short timeframe may lead to denials.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Synchrony

Annual Fee

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