Generac PowerPlay Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

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Max Reward

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APR From
Basic Information
PENDING

Program ID: generac-power-credit-card

Issuer: Synchrony

Card Name: Generac PowerPlay Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 03:45

Last Scraped: Feb 17, 2026 03:47

Apply URL: Visit

Home URL: Visit

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) 5 Total
PENDING
Financial Management 2
Online Account Management
N/A

Access to a secure online portal provided by Synchrony Bank for managing the Generac Power Credit Card account, including viewing statements, making payments, and monitoring account activity.

No Annual Fee
N/A

The Generac Power Credit Card does not charge an annual fee for card membership.

Shopping 3
Special Financing Options
Varies by promotion

Access to promotional financing offers for qualified purchases of Generac products, allowing customers to manage the cost of their home standby generator with deferred interest or reduced APR plans. Specific terms and eligibility apply and vary by promotion.

Convenient Monthly Payments
N/A

The ability to make manageable and convenient monthly payments on purchases made with the Generac Power Credit Card.

Quick Application Process
N/A

A streamlined and efficient application process designed to provide quick credit decisions for customers interested in financing Generac products.

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
Interest Rates & APR
PENDING
Standard APR

Purchase APR:

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No Interest if Paid in Full within a promotional period: If you do not pay the promotional balance in full by the end of the promotional period, interest will be imposed from the date of purchase at the APR for Purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Generac Power Credit Card, issued by Synchrony, primarily offers promotional financing options rather than traditional points or cashback bonuses. For 2026, expect offers such as 0% APR for a specified period (e.g., 12, 24, 36, or 60 months) on qualifying Generac purchases, often with deferred interest if the balance is not paid in full by the end of the promotional period. Eligibility requirements typically include being at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number or ITIN, and meeting Synchrony's creditworthiness criteria, which generally requires fair to good credit for approval. Applicants must also have a verifiable income and a U.S. mailing address.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional sign-up bonus; applies to promotional financing terms (e.g., 'minimum purchase of $299 for 12 months 0% APR'). Specific intervals vary by promotion.

Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, missed payments, high credit utilization, suspected fraudulent activity, multiple recent applications for Synchrony cards, significant changes in credit profile (e.g., bankruptcy, high debt-to-income ratio), or non-compliance with cardholder agreement terms.

Cliff Effect Rules: Not applicable; Synchrony store cards, including the Generac Power Credit Card, are generally standalone and do not have 'card family' rules that impact benefits or eligibility across a portfolio of cards in the same manner as major bank issuers.

Special Events: Expect special financing offers tied to Generac product launches, seasonal sales events (e.g., Spring preparedness, Fall maintenance), dealer-specific promotions, and energy independence initiatives.

Holiday Promos: Common promotional periods include Black Friday/Cyber Monday, Memorial Day, Labor Day, 4th of July, and year-end sales events, where enhanced financing terms or special discounts may be offered.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.1 / 5.0

Top Positive:
Excellent financing options for large purchases, especially the 0% APR promotions. Easy application process at the dealer.

Top Negative:
High deferred interest if not paid in full by the promotional end date. Limited use outside of Generac purchases. High standard APR.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Home Depot Consumer Credit Card
  • Personal Loan from a local credit union

Card Value Score: 70.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2024-01