Last Updated: 07/28/2025
SuperMoney User Recommendation Score 0
Mostly recommended6 total votes
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Mostly 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 |
|
|
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 September 2026) is 22.15%. 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.
How do people rate the customer service and user experience of Summit Racing credit card?
Overall, Summit Racing credit card is mostly 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
Created by
Fact Checked by
Hours of Operation
Sunday8:00AM - 12:00AMMonday8:00AM - 12:00AMTuesday8:00AM - 12:00AMWednesday8:00AM - 12:00AMThursday8:00AM - 12:00AMFriday8:00AM - 12:00AMSaturday8:00AM - 12:00AM
Other Services by Synchrony Bank
CD Accounts
Be the first to rate
Money Market Accounts
Be the first to rate
Savings Accounts
1
1
5
7 Reviews
Business Credit Cards
Rating not yet determined (2 Reviews)
Other Credit Cards from Synchrony Bank
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
25.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
27.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
400 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Purchase APR
Up to 29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of 0, or 3 on a 5-point rating scale.
0
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Summit Racing Equipment Speed Card® Community Reviews
Would you recommend Summit Racing Equipment Speed Card® to your friends?
Jon R.
Aug 18, 2023
Would 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.
NC
Nick C.
Aug 4, 2023
Would 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
U
Anonymous
Apr 25, 2022
Would 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
KA
Kal A.
Oct 13, 2021
Would 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
FR
Finnis R.
Jul 18, 2021
Would Recommend
easy to use very good about you charging you can also use at most gas stations ilike it
U
Anonymous
Apr 10, 2021
Would Recommend
I have been purchasing many items from your company an I would most definitely recommend you to anyone
Showing 6 of 6 reviews
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
