Updated October 6, 2026. Prices and specs checked October 5, 2026, on each maker's own website.
The SWAGTRON UrbanCruise and the Lectric XP4 750 Step-Thru cost almost the same ($1,299.99 vs. $1,299 when checked) and both reach 28 mph, so the choice comes down to how you ride: the Lectric folds and claims more range (up to 85 miles from an 840 Wh battery), while the UrbanCruise adds rear suspension and wider 4-inch tires.
The SWAGTRON UrbanCruise is a Class 3 fat-tire electric bike that pairs a cafe racer design with dual suspension and a 750W (1000W peak) motor. The Lectric XP4 750 Step-Thru is a folding fat-tire e-bike that riders can set to Class 1, 2 or 3. SWAG MAG is SWAGTRON's own blog, so every Lectric figure below links to Lectric's own product page.
Key takeaways
- Price: $1,299.99 for the UrbanCruise (regular $1,499.99) vs. $1,299 for the Lectric XP4 750 Step-Thru, which also offered five free add-ons when we checked.
- Range: the Lectric claims up to 85 miles from 840 Wh; the UrbanCruise is rated for 60+ miles from about 749 Wh.
- Comfort: the UrbanCruise has a front fork plus rear coil-over shocks and 20" x 4" tires; the Lectric has a front fork and 20" x 3" tires, plus a suspension seat post as a free add-on when we checked.
- Storage: the Lectric folds; the UrbanCruise doesn't.
- Shared: 28 mph top speed, 330 lb payload, hydraulic disc brakes, and UL 2849 plus UL 2271 for both bikes.
How do the UrbanCruise and Lectric XP4 750 compare?
Side by side, the two bikes tie on top speed, payload and brakes; the Lectric leads on battery, claimed range and folding, and the UrbanCruise leads on rear suspension and tire width.
| SWAGTRON UrbanCruise | Lectric XP4 750 Step-Thru | |
|---|---|---|
| Regular price | $1,499.99 | $1,299 (site also shows $1,664 crossed out) |
| Price when checked | $1,299.99 | $1,299 |
| Top speed | 28 MPH, pedal assist (Class 3) | 28 mph (Class 1, 2 or 3, selectable) |
| Claimed range | 60+ mi (pedal assist) | Up to 85 mi |
| Battery | 48V 15.6Ah, about 749 Wh, removable | 48V 17.5Ah, 840 Wh, removable |
| Motor | 750W (1000W peak) | 750W (1310W peak), 85Nm |
| Weight | 62 lb (battery installed) | 62 lb without battery; 9 lb battery (71 lb total) |
| Suspension | Front telescopic fork + red coil-over rear shocks | Front fork (40mm suspension seat post offered as a free add-on when checked) |
| Tires | 20" x 4" | 20" x 3" |
| Payload | 330 lb | 330 lb |
| Folds | No | Yes, at the stem and frame |
| UL standards | UL 2849 + UL 2271 compliant | UL 2849 + UL 2271 (as listed by Lectric) |
Lectric figures are Lectric's own published specs, checked October 5, 2026. Prices change often; check the brand's site before buying. Claimed ranges are not standardized tests. Lectric lists bike and battery weight separately; the 71 lb total is the sum of those two figures. The UrbanCruise's 62 lb is with the battery installed.
Which one costs less?
The Lectric XP4 750 Step-Thru is $1,299 and the SWAGTRON UrbanCruise is $1,299.99, so the Lectric is $0.99 less, and when we checked Lectric also offered five add-ons free (a rack expander, phone mount, lock, upgraded headlight and suspension seat post) that it prices at $365 combined.
On price alone, the Lectric wins. The UrbanCruise's regular price is $1,499.99, so its current $1,299.99 is $200 off. Both prices change often, so check both sites the day you buy.
Which one goes farther on a charge?
The Lectric XP4 750 claims up to 85 miles from a 48V 17.5Ah (840 Wh) battery, against 60+ miles on pedal assist from the UrbanCruise's 48V 15.6Ah (about 749 Wh) battery.
The Lectric carries about 91 Wh more battery, and that's a real advantage for long days. Both batteries are removable, so you can charge either one indoors. The UrbanCruise's 60+ miles is more than a full day of riding for most people, and it includes cruise control for long, steady stretches. Real-world range on both depends on rider weight, terrain, temperature and assist level.
Which one rides smoother on rough streets?
The UrbanCruise has suspension at both ends (a front telescopic fork and red coil-over rear shocks) on 20" x 4" fat tires, while the Lectric XP4 750 uses a front fork on 20" x 3" tires, with a 40mm suspension seat post offered as a free add-on when we checked.
A suspension seat post cushions the rider; rear shocks also keep the rear wheel planted on broken pavement, curb cuts and gravel. The UrbanCruise's extra inch of tire width adds its own cushion and grip. If your streets are rough, this is the UrbanCruise's biggest advantage. Read single shock vs. dual shock for what riders actually feel.
Which one is easier to store and carry?
The Lectric XP4 750 is easier to store because it folds at the stem and frame; the UrbanCruise has a fixed frame.
Lectric lists the XP4 at 62 lb without its battery and 9 lb for the battery. The UrbanCruise's 62 lb is with its battery installed, so ready to ride it's 9 lb lighter than the XP4's 71 lb. If you keep your bike in a closet, a car trunk or an RV, the folding Lectric is the better fit. If it lives in a garage or a bike room, folding doesn't matter much. For a fat-tire bike in an apartment, read the fat-tire e-bike that fits in an apartment elevator.
How fast do they go, and what class are they?
Both bikes reach 28 mph: the UrbanCruise is a Class 3 e-bike with pedal assist up to 28 MPH, and the Lectric XP4 750 can be set to ride as a Class 1, 2 or 3 e-bike.
The Lectric's selectable class is useful if your local paths only allow Class 1 or Class 2 bikes. In California, riders must be at least 16 to operate a Class 3 e-bike, and every rider needs a helmet. The Lectric also adds a torque sensor, turn signals and an 8-speed Shimano Altus drivetrain; the UrbanCruise has a 7-speed drivetrain and cruise control.
Do both bikes meet UL 2849 and UL 2271?
Yes. The UrbanCruise's electrical system is ANSI/CAN/UL 2849 compliant and its battery is ANSI/CAN/UL/ULC 2271 compliant, and Lectric lists UL 2849 for the XP4 and UL 2271 for its battery.
California now requires e-bikes sold in the state to have batteries tested to UL 2849 or the European standard EN 15194. Both bikes also use hydraulic disc brakes front and rear. For what these standards cover, read our UL 2849 e-bike buyer's guide.
Which one should you buy?
Buy the Lectric XP4 750 Step-Thru if you need a bike that folds or you want the most claimed range for $1,299; buy the SWAGTRON UrbanCruise if you ride rough streets and want rear suspension, 4-inch tires and a cafe racer design for $1,299.99.
- Choose the Lectric for folding, range, a selectable class and the free add-ons.
- Choose the UrbanCruise for dual suspension, wider tires, cruise control and a design with a caged retro headlight, red coil-over shocks and a long padded bench seat.
Comparing more bikes? See our best value e-bikes for $1,000 to $1,500.
A quick checklist before you buy
- Ride your roughest route in your head. Potholes and gravel favor rear suspension; smooth bike lanes don't.
- Measure your storage space. If the bike has to fit in a closet or trunk, folding wins.
- Compare the full checkout price. Include bundles, shipping and any accessories you'd buy anyway.
- Plan range with a margin. Hills, cold and high assist levels cut every bike's claimed range.
- Check your class rules. Know whether your local paths allow Class 3 bikes.
- Confirm UL 2849 for the exact model you're buying.
The UrbanCruise at a glance
The SWAGTRON UrbanCruise is $1,299.99 (regular price $1,499.99). It's a Class 3 e-bike with pedal assist up to 28 MPH, a 750W (1000W peak) brushless rear-hub motor, a removable 48V 15.6Ah battery (about 749 Wh) rated for 60+ miles, dual suspension, 20" x 4" fat tires, hydraulic disc brakes front and rear, a 7-speed drivetrain, cruise control, an aluminum alloy frame, a 62 lb weight with the battery installed and a 330 lb payload. Its electrical system is ANSI/CAN/UL 2849 compliant and its battery is ANSI/CAN/UL/ULC 2271 compliant.
Frequently asked questions
Is the Lectric XP4 750 or the UrbanCruise cheaper?
The Lectric XP4 750 Step-Thru was $1,299 and the UrbanCruise was $1,299.99 on October 5, 2026, a $0.99 difference.
Does the Lectric XP4 750 have rear suspension?
No. Lectric lists a front suspension fork, and when we checked it offered a 40mm suspension seat post as a free add-on. The UrbanCruise has a front fork and rear coil-over shocks.
Which has more range, the Lectric XP4 750 or the UrbanCruise?
Lectric claims up to 85 miles for the XP4 750 with its 840 Wh battery. The UrbanCruise is rated for 60+ miles on pedal assist from about 749 Wh.
Do both bikes fold?
Only the Lectric XP4 750 folds. The UrbanCruise has a fixed aluminum alloy frame.
See the SWAGTRON UrbanCruise: full specs and current pricing
Prices and specifications as of October 5, 2026 and subject to change. Range and speed vary with rider weight, terrain, temperature and riding mode. E-bike laws, minimum ages and helmet rules vary by state and city.
Need something lighter for a train commute? See the SWAGTRON GlideX and GlideX Pro folding scooters, or read is an e-bike worth it?
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