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Benefits0
Reward Categories—
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APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended 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
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Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater (maximum $100) |
Interest Rates & APR
PENDINGStandard APR
Intro APR Offers
Promo Financing: Special Financing
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Ariens Credit Card, issued by Synchrony, is a store-specific financing tool primarily offering promotional APRs on qualifying Ariens purchases. For 2026, typical offers are expected to include 0% APR promotional financing for periods ranging from 6 to 24 months on specific purchase amounts, or a small percentage discount (e.g., 10-15%) on the first purchase. Eligibility requirements include being at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria, which generally requires a fair to good credit score for approval.
Max Cards Per Issuer: 4
Min Spend Interval: Not applicable for a traditional bonus; promotional financing terms apply to specific purchases at the time of transaction.
Cliff Effect Rules: Synchrony store cards, including the Ariens Credit Card, generally operate as standalone products and do not typically fall under 'card family' rules or 'cliff effects' seen with premium travel or cash back ecosystems.
Special Events: Promotional financing offers are frequently tied to Ariens' seasonal sales events (e.g., Spring Lawn & Garden, Fall Maintenance), new product launches, or specific dealer promotions throughout the year.
Holiday Promos: Expect enhanced promotional financing offers or special discounts during major U.S. shopping holidays such as Memorial Day, 4th of July, Labor Day, Black Friday/Cyber Monday, and year-end clearance events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy application process for financing large purchases. Beneficial for spreading out the cost of expensive equipment with promotional 0% APR offers.
Top Negative:
High deferred interest if balance isn't paid in full by promotion end. Reports of poor customer service from Synchrony Bank. High regular APR after promotional period.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Discover it Cash Back
- Wells Fargo Reflect Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%