Arctic Cat Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: arctic-cat-credit-card

Issuer: Synchrony

Card Name: Arctic Cat Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 14:45

Last Scraped: Feb 16, 2026 14:46

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony provides benefits and protections under the Servicemembers Civil Relief Act (SCRA), including reducing the interest rate on eligible accounts to 6% for the period of active duty.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Account Management 1
Online Account Management
N/A

Cardholders can conveniently manage their credit account online, including viewing statements, making payments, and updating personal information through Synchrony's online portal.

Financial 3
No Annual Fee
$0

The credit card does not charge an annual fee for card membership, providing cost-effective access to financing for Arctic Cat purchases.

Convenient Monthly Payments
N/A

The credit card provides the flexibility of convenient monthly payments, allowing cardholders to budget and pay for their Arctic Cat purchases over an extended period.

Revolving Line of Credit
Varies by approved credit limit

Provides a dedicated revolving line of credit specifically for Arctic Cat purchases, enabling cardholders to make multiple purchases up to their approved credit limit.

Shopping 1
Special Financing Offers
Varies by promotional offer

Access to special promotional financing offers on qualifying Arctic Cat purchases, allowing cardholders to manage payments over time, often with deferred interest or reduced APR during the promotional period.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
Not specified
Not specified
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Eligibility (2026): Applicants must be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to creditworthiness, typically requiring fair to good credit (FICO score generally 640+). Bonus Rules (2026): New cardholders may receive a one-time discount on their first Arctic Cat purchase (e.g., 10-15% off up to a certain amount) or special deferred interest financing offers (e.g., 0% APR for 6, 12, or 18 months on qualifying purchases over a minimum amount, with interest accruing from the purchase date if not paid in full by the end of the promotional period). These offers are store-specific and may vary by promotional period.

Max Cards Per Issuer: 6

Min Spend Interval: N/A (Primary benefits are immediate discount or deferred financing)

Shutdown Risk Triggers: Manufactured spending (if detected), rapid accumulation of multiple Synchrony credit lines, high cumulative credit exposure across Synchrony accounts, suspicious spending patterns inconsistent with typical Arctic Cat purchases, failure to adhere to deferred interest promotion terms, defaulting on payments.

Cliff Effect Rules: Synchrony store cards generally operate independently. There are no known 'card family' or 'cliff effect' rules that restrict eligibility or benefits based on holding other Synchrony store cards. Each application is assessed individually.

Special Events: Arctic Cat dealer events and open houses, seasonal sales (e.g., spring tune-up sales, fall riding gear promotions), anniversary sales for Arctic Cat or specific dealerships, special financing offers tied to new model releases or inventory clearance.

Holiday Promos: Black Friday / Cyber Monday (late November), Christmas / New Year (December), Spring Riding Season Kick-off (March-April), Fall Riding Season / Hunting Season (September-October), major U.S. retail holidays (e.g., Memorial Day, 4th of July, Labor Day).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Offers attractive special financing promotions for large purchases, making expensive items like snowmobiles more accessible. Relatively easy approval process for those with fair credit.

Top Negative:
High deferred interest if promotional balance isn't paid in full, leading to significant unexpected costs. Customer service can be challenging, and the regular APR is very high.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One SavorOne Cash Rewards Credit Card
  • Discover it Cash Back

Card Value Score: 60.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2024-01-01