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Apply online now for Synchrony’s Freedom to Ride credit card, and get instant access to a world of adventure possibilities! Any transaction of new goods over $1,000 is eligible for promotional financing.

That new bike you’ve been eyeing? Check. A new ski or snowboard package? Done.
Through-hike essentials for the PCT? We’ve got you covered. Easy. Convenient. Secure.

Freedom to Ride Financing Card

Estimate Your Monthly Payments

Make the best decision on how to budget your purchase with Synchrony’s convenient payment calculator.

Prequalify or Apply Now

Choose to prequalify without impacting your credit bureau score or apply directly.

Card Benefits

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No Annual Fee1

No annual fee1 and $0 fraud liability

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Get Moving

Dedicated credit limit for your future adventure needs.

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Convenient monthly payments and online account management

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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.

Already Have an Account?

Sign in now to manage your account and pay your bill online.

Freedom to Ride Credit Card Program Details

Easy. Convenient. Secure.

*Subject to credit approval
1New Account APR is 29.99%. Minimum Interest Charge is $2.