Fleet Farm Credit Card

Synchrony Pending

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0

Benefits

0

Reward Categories

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Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: fleet-farm-credit-card

Issuer: Synchrony

Card Name: Fleet Farm Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:31

Last Scraped: Feb 15, 2026 16:45

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony complies with the Servicemembers Civil Relief Act (SCRA), offering protections for active duty servicemembers and their dependents. This includes a 6% interest rate cap on certain pre-service obligations.

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 0.01x

Bonus Rate: 0.05x

Categories: 5% back on qualifying purchases at Fleet Farm; 1% back on purchases everywhere else Visa is accepted

Quarterly Rotating: No

Expiration Policy: Rewards do not expire as long as your account is open and in good standing, but certificates issued from those rewards are valid for 90 days from the date of issuance.

Point Value: 0.01¢

Redemption Penalties: Certificates are issued for every $100 in qualifying purchases ($5 certificate). Certificates cannot be used to purchase gift cards, licenses, or pay for services.

Benefits & Protections (Detailed)
No Card Benefits Available

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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
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
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No Interest if paid in full within 6 or 12 months on qualifying purchases of $299 or more. 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 or if you make a late payment. Minimum monthly payments required. See associate for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Fleet Farm Credit Card requires applicants to be at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident, possess a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria, typically requiring fair to good credit. Bonus rules commonly include an initial discount on the first purchase (e.g., 10-20% off) upon account opening, or special financing offers on qualifying purchases. Ongoing rewards often involve a percentage back on Fleet Farm purchases.

Max Cards Per Issuer: 4

Min Spend Interval: N/A for traditional bonus spend; initial discounts are typically applied immediately or on the first purchase. Ongoing rewards accrue based on spending.

Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, sudden large purchases inconsistent with historical spending patterns, excessive credit seeking (multiple applications in a short period), payment defaults, prolonged account inactivity, and suspected manufactured spending (though less common for store cards).

Cliff Effect Rules: Not applicable. The Fleet Farm Credit Card is a standalone store-specific program and does not belong to a broader card family with shared benefits or downgrade paths that would trigger a 'cliff effect'.

Special Events: Cardholder-exclusive discounts, special financing offers on large purchases (e.g., 0% APR for 6-12 months), bonus rewards days (e.g., earn extra points on specific categories), early access to sales, and birthday offers.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Memorial Day, Labor Day, 4th of July, Back-to-School, and other seasonal sales events specific to Fleet Farm (e.g., Spring Planting, Hunting Season).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Good rewards for frequent Fleet Farm shoppers; Special financing offers are useful; Relatively easy to get approved.

Top Negative:
High APR if balance carried; Limited use outside Fleet Farm; Customer service can be slow.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One SavorOne Cash Rewards Credit Card
  • Amazon Prime Rewards Visa Signature Card
  • Discover it Cash Back

Card Value Score: 65.0 / 100

Est. Annual Rewards: $144.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Jan 25, 2023 00:00