Prequalify or Apply Now
Choose to prequalify without impacting your credit bureau score or apply directly.
Card Benefits
No Annual Fee1
No annual fee1 and $0 fraud liability
Get Moving
Dedicated credit limit for your future adventure needs.
Convenience
Convenient monthly payments and online account management
Synchrony HOME Network
Be a part of Synchrony’s HOME Network, accepted at thousands of locations nationwide. Visit the store locator here.
How It Works
In three easy steps, we'll have you ready to ride.
Quick Application
Apply in a snap with instant decisions for most.
Use Card Instantly
Your card is ready to use if you're approved.
Pay Over Time
Convenient monthly payment terms so you can finance with confidence.
Freedom to Ride Credit Card Program Details
Enjoy No Interest if Paid in Full within 12 Months*
on in-store purchases of new bikes, equipment, and more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 Months. Minimum monthly payments required.
*Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.