Bad Boy Mowers Credit Card

Synchrony Pending

Back Apply Now

3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: bad-boy-mowers-credit-card

Issuer: Synchrony

Card Name: Bad Boy Mowers Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 16:11

Last Scraped: Feb 16, 2026 16:13

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible active duty service members, spouses, and dependents may receive an interest rate reduction to 6% APR on pre-service obligations under SCRA.

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) 3 Total
PENDING
Financing 3
Special Financing: 0% APR for 48 Months
0% APR for 48 Months

Access special financing with 0% Annual Percentage Rate (APR) for 48 months on eligible Bad Boy Mowers purchases made with the Bad Boy Mowers credit card. This offer is subject to credit approval and requires minimum monthly payments. See store for complete details and current promotional terms.

Special Financing: 0% APR for 60 Months
0% APR for 60 Months

Access special financing with 0% Annual Percentage Rate (APR) for 60 months on eligible Bad Boy Mowers purchases made with the Bad Boy Mowers credit card. This offer is subject to credit approval and requires minimum monthly payments. See store for complete details and current promotional terms.

Special Financing: 0% APR for 72 Months
0% APR for 72 Months

Access special financing with 0% Annual Percentage Rate (APR) for 72 months on eligible Bad Boy Mowers purchases made with the Bad Boy Mowers credit card. This offer is subject to credit approval and requires minimum monthly payments. See store for complete details and current promotional terms.

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
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within 6, 12, 18, 24, 36, 48 or 60 months. If you do not, interest will be charged on the promotional purchase from the purchase date. Depending on the purchase amount, a 6, 12, 18, 24, 36, 48 or 60 month promotional period will be available. Minimum monthly payments are required. The regular APR for purchases is 29.99%.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Bad Boy Mowers Credit Card, issued by Synchrony Bank, primarily offers special promotional financing on qualifying purchases made at authorized Bad Boy Mowers dealerships. Eligibility requirements for application include being at least 18 years of age (19 in AL/NE), a US resident with a valid SSN or ITIN, and meeting Synchrony's creditworthiness criteria. Applicants should not have a history of default with Synchrony Bank. The 'bonus' is access to these promotional financing offers, which vary by purchase amount and promotional period (e.g., 0% APR for X months). There are typically no traditional sign-up bonuses like cash back or points.

Max Cards Per Issuer: 5

Min Spend Interval: N/A - Promotional financing applies to specific purchases at the time of transaction, not a general spend bonus.

Shutdown Risk Triggers: Common triggers for account shutdown or adverse action include defaulting on payments across any Synchrony account, high credit utilization on the Bad Boy Mowers card, suspected fraudulent activity, opening an excessive number of Synchrony accounts in a short period, or significant negative changes to the cardholder's overall credit profile.

Cliff Effect Rules: Synchrony Bank generally evaluates applications for its store cards independently. While there isn't a strict 'cliff effect' like with some other issuers (e.g., 5/24 rules), your overall credit exposure with Synchrony and your payment history across all Synchrony accounts can influence approval for new cards or credit limit increases. A high number of recent Synchrony applications or existing accounts with high balances could lead to denials for additional credit.

Special Events: Special financing offers are frequently tied to seasonal sales events (e.g., Spring/Summer sales, year-end clearance) or specific product launches at Bad Boy Mowers dealerships. These events often feature enhanced promotional financing terms to incentivize purchases.

Holiday Promos: Common promotional periods include major US holidays (e.g., Memorial Day, 4th of July, Labor Day, Black Friday/Cyber Monday, Christmas/New Year) and seasonal buying periods for outdoor power equipment, when demand is typically higher.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Provides accessible financing for large equipment purchases; often features promotional 0% APR periods that are beneficial for managing costs.

Top Negative:
High deferred interest rates if promotional terms are not met; limited utility outside of Bad Boy Mowers; customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Wells Fargo Reflect Card
  • Citi Custom Cash Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2024-01-01