The Sweetwater Card (Store Credit / Financing) is a personal credit card from Sweetwater Card (Store Credit / Financing). The annual fee is $0 (no annual fee). The ongoing APR is 34.99% after a 0% introductory rate for 48 months. Approval typically requires a credit score of 650–799 or higher. Rewards: Earn 5% back in Bonus Bucks on qualifying purchases $99+ when using the Sweetwater Card. This product reports activity to your personal credit report. Pre-qualification available (soft pull)