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Last Updated: 07/28/2025

Summit Racing Equipment Speed Card®

Q: Does Summit Racing credit card have a cash back or rewards program?

No, it does not offer a rewards program. Zero fraud liability, and Reports to major credit bureaus

from Synchrony Bank

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly not recommended7 total votes

3 users recommend

4 users don't recommend

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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

Special financing options available.
Considers applicants with fair credit.
Summit Racing Equipment Speed Card® reports to multiple credit bureaus.

High interest rates.
Higher than average purchase APRs.
N/A
Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.

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.

Summit Racing credit card Rewards Breakdown

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?

Summit Racing Equipment Speed Card® Fees

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.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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

As an FDIC-insured online bank, we’re unburdened by the expense of traditional brick-and-mortar branches. That means we can pass those savings on to our customers through our market-leading rates. We’re a part of Synchrony—a Fortune 500 company that’s been helping consumers reach for what’s important for more than 80 years. We’re also the leading provider of private-label credit cards in the United States, so we might already be in your wallet supporting one of your favorite retailers.

Turn your high performance vision into a reality with the Summit Racing Equipment SpeedCard. The SpeedCard helps give you the freedom to dream big thanks to promotional financing options on qualifying Summit Racing purchases. Simply get all the parts, accessories, and tools for your project with the SpeedCard, then build your dream ride!

Contact

Headquarters

777 Long Ridge Rd

Stamford, CT 06905

Visit Site

Email Support

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

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SuperMoney Net Recommendation Score

SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -14, or 2.7 on a 5-point rating scale.

-14

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Summit Racing Equipment Speed Card® Community Reviews

Would you recommend Summit Racing Equipment Speed Card® to your friends?

Jon R.

Aug 18, 2023

May or may not recommend

If you use the promotional purchase options it's great. Zero interest. Just don't buy a bunch of tiny stuff and get into the 30% trap. I almost never pay interest on my Summit Speed Card.

Nick C.

Aug 4, 2023

May or may not recommend

I like many got the summit card to use for a promotion offering 0% interest for 4 months. Well, I was paying the card off and selected to pay the full balance. Granted, I paid it like 12 hours late. (due date was July 25, I paid morning of July 26). Then I look at my statement later and I owe $37 because they added on a late fee the ...Show More

William H.

Jul 28, 2022

May or may not recommend

I received a promotional offer for summit racing equipment speed card. I shop pretty regular and do all my automotive work so I was like yeah why not right! I excepted offer and was given a credit limit of $1000 I am mediately began using the credit card. After 12 months has passed having the card you would think you would get a credit increase. Unfortunately that was not the ...Show More

Anonymous

Apr 25, 2022

May or may not recommend

I got it for parts order some ..and then they call questioning me wanting a ID...no sir I never had a card company do that maybe call and ask If I made the purchase..but no there is better cards and even payment options places where it's set u know what your paying and how much your giving them for giving you the money ...Jess here I come ...with the high ...Show More

Kal A.

Oct 13, 2021

May or may not recommend

DO NOT WASTE YOUR TIME WITH THESE IDIOTS AT SUMMIT! I put in a order, simple just a few parts, it just was a little over 100 bucks to get free shipping. They took 4 days to send I email saying they need to verify my card!! All info and addresses were filled out on website. I never had a company have to verify my info! So I cancelled it ...Show More

Finnis R.

Jul 18, 2021

May or may not recommend

easy to use very good about you charging you can also use at most gas stations ilike it

Anonymous

Apr 10, 2021

May or may not recommend

I have been purchasing many items from your company an I would most definitely recommend you to anyone

Showing 7 of 7 reviews