Blain's Farm & Fleet Rewards Mastercard®

Synchrony Mastercard Pending

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12

Benefits

4

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: blains-farm-fleet-rewards-mastercard

Issuer: Synchrony

Card Name: Blain's Farm & Fleet Rewards Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 16:59

Last Scraped: Feb 16, 2026 17:01

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Farm & Fleet Purchases 3x Cash Back Purchases made at Blain's Farm & Fleet stores or online. No Cap
Gas 2x Cash Back Purchases at gas stations. No Cap
Groceries 2x Cash Back Purchases at grocery stores. No Cap
All Other Purchases 1x Cash Back All eligible purchases not falling into other bonus categories. No Cap
Rewards Summary
PENDING

Reward Type: Rewards

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x at Blain's Farm & Fleet, 2x on Gas & Groceries

Quarterly Rotating: No

Expiration Policy: Points expire 12 months after they are earned. Reward Certificates expire 90 days after issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Reward Certificates must be redeemed in-store or online at Blain's Farm & Fleet. Minimum redemption threshold of 1,000 points for a $10 certificate.

Benefits & Protections (Detailed) 12 Total
PENDING
Financial 3
6-Month Special Financing
6 months financing on $299+

Receive 6 months of special financing on qualifying purchases of $299 or more made with the Blain's Farm & Fleet Rewards Mastercard.

12-Month Special Financing
12 months financing on $999+

Receive 12 months of special financing on qualifying purchases of $999 or more made with the Blain's Farm & Fleet Rewards Mastercard.

No Annual Fee
No annual fee

The Blain's Farm & Fleet Rewards Mastercard has no annual fee.

Purchase Protection 2
Purchase Assurance
Up to $1,000 per claim, $50,000 per cardholder per year

Reimburses for eligible items of personal property purchased with the card that are stolen or damaged within 90 days of the purchase date.

Extended Warranty
Up to 1 additional year, up to $10,000 per claim

Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when you pay with your Mastercard. Applies to warranties of five years or less.

Security 2
Mastercard ID Theft Protection™
Comprehensive protection

Provides services to help detect and resolve identity theft, including identity monitoring, alerts, and resolution services. Enrollment required.

Zero Liability Protection
Full protection

Protects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for unauthorized transactions.

Shopping 4
Blain's Farm & Fleet Purchase Rewards
4% back in Rewards

Earn 4% back in Rewards on all qualifying purchases made at Blain's Farm & Fleet stores or online with your Blain's Farm & Fleet Rewards Mastercard.

Everyday Purchase Rewards
1% back in Rewards

Earn 1% back in Rewards on all qualifying purchases made everywhere else Mastercard is accepted.

Rewards Redemption
$5 increments

Rewards are issued in $5 increments and can be redeemed towards future purchases at Blain's Farm & Fleet.

Exclusive Cardmember Offers
Varies by offer

Access to exclusive offers and promotions available only to Blain's Farm & Fleet Rewards Mastercard cardmembers.

Travel 1
Mastercard Global Service™
24/7 global assistance

Provides emergency assistance services anytime, anywhere, including emergency card replacement, cash advance, and lost/stolen card reporting.

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: 30.24%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Intro Purchase APR: 0% for 6 months

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Not specified
Application Process
Not specified
Not specified
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: Applicants must be 18+ years old (19+ in AL/NE), a US resident with a valid SSN or ITIN, and meet Synchrony's creditworthiness criteria, including sufficient income and an acceptable credit history. Bonus Rule: The card typically offers enhanced rewards on purchases made at Blain's Farm & Fleet stores and blainsfarmandfleet.com, with a lower reward rate on purchases elsewhere. Initial sign-up bonuses, if offered, are usually a percentage discount on the first purchase or a small statement credit after initial use, rather than a large spend-based bonus. Specific bonus offers are promotional and subject to change.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for a traditional sign-up bonus; ongoing rewards are earned on all eligible purchases. Initial promotional offers (e.g., first purchase discount) do not typically have a spend interval beyond the initial transaction.

Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, frequent balance transfers to other Synchrony cards, high cumulative credit limit across Synchrony accounts relative to income, sudden drastic changes in spending patterns, late payments, defaulting on other Synchrony accounts, suspected fraud, or violation of terms and conditions.

Cliff Effect Rules: Not applicable. Synchrony store cards generally operate independently; there are no 'card family' rules that impact eligibility or benefits across different store-branded cards.

Special Events: Likely to align with Blain's Farm & Fleet in-store and online promotional events, such as seasonal sales (e.g., spring planting, fall harvest, holiday shopping), special discount days for cardholders, or exclusive financing offers on larger purchases.

Holiday Promos: Typically aligns with major retail holidays in the US, including but not limited to: Memorial Day, 4th of July, Labor Day, Black Friday/Cyber Monday (Thanksgiving week), and the Christmas/New Year holiday shopping season. Specific offers will vary annually.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Good rewards for frequent shoppers, especially on Blain's purchases and common categories like gas and groceries. Special financing options are a plus.

Top Negative:
Frequent complaints about Synchrony Bank's customer service and high interest rates. Rewards outside of Blain's are not exceptional, making it less appealing for general spending.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature
  • Citi Custom Cash Card
  • Lowe's Advantage Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $125.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0