Last Updated: 07/28/2025
Summit Racing Equipment Speed Card®
Claimed
in Credit Cards from Synchrony Bank
Last Updated: 07/28/2025
SuperMoney User Recommendation Score -14
Mostly not recommended7 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
29.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
600 - 850
Annual Fee
N/A
Number of Reviews
Summit Racing Equipment Speed Card® Review
This is a store card issued by Synchrony Bank. If you're wondering whether Summit Racing Equipment Speed Card® is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 29.99%
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Summit Racing credit card
| The Good | The Bad |
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Summit Racing credit card FAQ
Does Summit Racing credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Summit Racing credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Summit Racing Equipment Speed Card® has a variable purchase APR of 29.99%. Summit Racing Equipment Speed Card® does not offer balance transfers.
Does Summit Racing credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Summit Racing Equipment Speed Card® does not offer balance transfers.Does Summit Racing credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Summit Racing credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
What is the customer service phone number for Summit Racing credit card?
The customer service number for Summit Racing credit card is (866) 226-5638.
What is the support contact email for Summit Racing credit card?
The support contact email for Summit Racing credit card is customer.service@mail.synchronybank.com.
What is the login page for Summit Racing credit card?
You can access the login page of Summit Racing credit card here.
How do people rate the customer service and user experience of Summit Racing credit card?
Overall, Summit Racing credit card is mostly not recommended based on community reviews that rate customer service and user experience.
Does Summit Racing Equipment Speed Card® report your account activity to credit bureaus?
Yes, Summit Racing Equipment Speed Card® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, Summit Racing credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Summit Racing credit card
- Visit the website of Summit Racing credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Summit Racing credit card
Hours of Operation
Sunday
8:00AM - 12:00AM
Monday
8:00AM - 12:00AM
Tuesday
8:00AM - 12:00AM
Wednesday
8:00AM - 12:00AM
Thursday
8:00AM - 12:00AM
Friday
8:00AM - 12:00AM
Saturday
8:00AM - 12:00AM