Generac Credit Card
Basic Information
Program ID: generac-credit-card
Issuer: Synchrony
Card Type: Credit
Network: N/A
Card Tier: N/A
Data Complete: Yes
Created: 01/15/2026 13:33
Last Scraped: 01/15/2026 13:35
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A (This account does not offer balance transfers.) |
| 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: 2,924.00% - 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%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 30 days
Bonus Timing: Typically applied as a statement credit within 1-2 billing cycles after the qualifying purchase is made.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.05%
Bonus Categories: 5% on Generac Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards expire 24 months after issuance or upon account closure.
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: TransUnion
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Offers flexible financing for large Generac purchases; Quick and easy application process; Helps manage emergency generator costs with convenient payments.
Top Negative Feedback:
High deferred interest if not paid in full by promotion end; Limited utility outside of Generac purchases; Customer service can be slow.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Home Depot Project Loan Card
- Lowe's Advantage Card
- Wells Fargo Active Cash Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $10.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v2024.02