Fleet Farm Credit Card
Basic Information
Program ID: fleet-farm-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:31
Last Scraped: 01/15/2026 13:33
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 0.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Fleet Farm Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards do not expire as long as the account is active and in good standing.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: Eligibility for the Fleet Farm Credit Card (Synchrony) requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria (typically fair to good credit, though store cards can be more lenient). Applicants should not have recent bankruptcies. New cardholders often receive a one-time discount on their first Fleet Farm purchase (e.g., 10-15% off up to a maximum amount) or special introductory financing offers. Ongoing benefits include exclusive cardholder discounts, promotional financing options on qualifying purchases at Fleet Farm stores and fleetfarm.com.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive credit seeking (too many recent applications), missed payments or delinquency, suspected fraudulent activity, and abuse of promotional financing offers.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy to get approved, offers good discounts and special financing at Fleet Farm, useful for regular shoppers of the store.
Top Negative Feedback:
High APR, limited rewards outside of Fleet Farm, customer service can be inconsistent, not a strong general-purpose card.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Discover it Cash Back
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 60% Store / 40% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0
Last Updated: 01/25/2023 00:00