1 more

Last Updated: 07/28/2025

Sweetwater Card

in Credit Cards from Synchrony Bank

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Rating not yet determined3 total votes

1 users recommend

2 users don't recommend

Explore a similar product

Try this top product in Credit Cards

Total Visa® Credit Card

Mostly recommended35 reviews

Visit Site

Community Recommended Products

View All

Mostly recommended35 Reviews

Learn More

Strongly recommended13 Reviews

Learn More

Mostly recommended11 Reviews

Learn More

Compare All Credit Cards

Filter & compare all your options in one place.

View All Products

Highlights

Purchase APR (Variable APR)

Up to 29.99%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

650 - 850

Annual Fee

N/A

Sweetwater Card Review

This is a store card issued by Synchrony Bank. If you're wondering whether Sweetwater Card is the right card for you, read on.

Key Takeaways

Fair or better credit required. You will have good approval odds if you have a fair credit score or better.

Pros & Cons of Sweetwater credit card

The Good

The Bad

Sweetwater Card reports to multiple credit bureaus.

High interest rates.
Card can only be used at Sweetwater.
N/A
Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.

Sweetwater credit card FAQ

Does Sweetwater credit card have a cash back or rewards program?

No, it does not offer a rewards program.

Sweetwater credit card Rewards Breakdown

Description

How do people rate the customer service and user experience of Sweetwater credit card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Sweetwater Card report your account activity to credit bureaus?

Yes, Sweetwater 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, Sweetwater 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 Sweetwater credit card

Visit the website of Sweetwater 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 Sweetwater 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.

The Sweetwater Card allows you to get the gear you’ve always dreamed of today and pay over time with low monthly payments. Hundreds of participating music brands. Quick and easy to apply. Use your approved credit amount to buy the gear of your dreams...today!

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

Other Services by Synchrony Bank

CD Accounts

Be the first to rate

Money Market Accounts

Be the first to rate

Savings Accounts

7 Reviews

Business Credit Cards

Rating not yet determined (2 Reviews)

Other Credit Cards from Synchrony Bank

Ariens Credit Card

Strongly recommended

8 reviews

Purchase APR

26.99%

Disclaimer popup with additional information

Balance Transfer APR

N/A

Credit Score Range

650 - 850

300

850

Annual Fee

Visit Site

BPme Rewards Visa

Rating not yet determined

3 reviews

Purchase APR

29.99%

Disclaimer popup with additional information

Balance Transfer APR

N/A

Credit Score Range

650 - 850

300

850

Annual Fee

Visit Site

Amazon.com Store Card

Mostly recommended

24 reviews

Purchase APR

25.99%

Disclaimer popup with additional information

Balance Transfer APR

N/A

Credit Score Range

650 - 850

300

850

Annual Fee

Visit Site

Lowe's Advantage Card

Mostly recommended

13 reviews

Purchase APR

26.99%

Disclaimer popup with additional information

Balance Transfer APR

N/A

Credit Score Range

600 - 850

300

850

Annual Fee

Visit Site

Evine Credit Card

Strongly recommended

8 reviews

Purchase APR

27.99%

Disclaimer popup with additional information

Balance Transfer APR

N/A

Credit Score Range

650 - 850

300

850

Annual Fee

Visit Site

Mattress Firm Credit Card

Strongly recommended

8 reviews

Purchase APR

29.99%

Disclaimer popup with additional information

Balance Transfer APR

N/A

Credit Score Range

400 - 850

300

850

Annual Fee

Visit Site

myWalgreens Mastercard

Rating not yet determined

1 review

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

Visit Site

Rooms To Go Credit Card

Mostly recommended

5 reviews

Purchase APR

Up to 29.99%

Balance Transfer APR

N/A

Credit Score Range

650 - 850

300

850

Annual Fee

Visit Site

Sam Ash Credit Card

Strongly recommended

5 reviews

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

Visit Site

Flooring America Credit Card

Rating not yet determined

1 review

Purchase APR

29.99%

Disclaimer popup with additional information

Balance Transfer APR

N/A

Credit Score Range

600 - 850

300

850

Annual Fee

Visit Site

Page 1 of 11

1 2 3 4 5 Next

Community Recommended Products

View All

Mostly recommended35 Reviews

Learn More

Strongly recommended13 Reviews

Learn More

Mostly recommended11 Reviews

Learn More

SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-33

-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.

Sweetwater Card Community Reviews

Would you recommend Sweetwater Card to your friends?

Gabriel L.

May 30, 2023

May or may not recommend

I had the sweetwater for over a year, then after doing every payment on time, they decreased my credit line by 2.000$, and my credit score dropped hard. Do not recommend at any cost, scam company Synchrony. Customer service is awful, don’t trust any other reviews online, probably made by people who work there.

Anonymous

Dec 16, 2021

May or may not recommend

Terrible company. Was approved, purchased an item and paid it off without missing a payment and as a thank you they lowered my credit line significantly for no reason at all thus causing my credit score to drop. This seems to be a common practice today.

David S.

Jun 2, 2021

May or may not recommend

It was my first time getting a credit card online, usually just like doing stuff in-person. Sweetwater does a 48-month promotional deal twice a year (one late spring, one in fall) and it was well worth it! Payments are split equally, rather than some flat minimum and I find this very convenient. If you are looking to boost your credit score and want cool gear, I highly recommend this card.

Showing 3 of 3 reviews