Gravely Credit Card

Synchrony Pending

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1

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: gravely-credit-card

Issuer: Synchrony

Card Name: Gravely Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 03:57

Last Scraped: Feb 17, 2026 03:58

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides assistance to active duty Servicemembers and their families, who may be entitled to benefits under the Servicemembers Civil Relief Act (SCRA).

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing Offers
Varies by offer

Cardholders may access special promotional financing offers when purchasing Gravely equipment with the Gravely credit card. These offers, which can include deferred interest or reduced APR promotions, are subject to credit approval and vary. Specific terms and current offers are available through local Gravely dealers.

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: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No Interest if Paid in Full within 12, 18, 24, 36, 48 or 60 Months on qualifying purchases. 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. See associate for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The Gravely Credit Card, issued by Synchrony Bank, is a store-specific financing option primarily offering special promotional financing on qualifying Gravely purchases. For 2026, typical offers are projected to include 0% APR for various periods (e.g., 12, 18, 24, or 36 months) on purchases meeting specific minimum spend thresholds (e.g., $500, $1000, $2000), with deferred interest if the promotional balance is not paid in full by the end of the period. No traditional sign-up bonus (e.g., points or cashback) is expected. Eligibility requirements include being 18 years or older, a U.S. resident, possessing a valid Social Security Number or ITIN, and being subject to Synchrony Bank's credit approval process. Applicants should have a satisfactory credit history.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional bonus; promotional financing spend is typically immediate upon qualifying purchase.

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across Synchrony accounts relative to income, excessive credit seeking (numerous applications in a short period), suspicious transaction patterns inconsistent with typical spending, failure to make payments or defaulting on other Synchrony accounts, and abuse of promotional financing terms.

Cliff Effect Rules: Synchrony generally treats its store cards as distinct programs. However, opening too many Synchrony accounts in a short timeframe or accumulating a very high total credit limit across all Synchrony-issued cards can lead to increased scrutiny, denials for new applications, or account reviews. There are no specific 'card family' rules for Gravely, but rather overarching Synchrony issuer policies.

Special Events: Projected special events for 2026 include seasonal sales (e.g., Spring Sales, Fall Maintenance Events), exclusive cardholder discounts on specific Gravely products or services, and special financing offers tied to new product launches or inventory clearance.

Holiday Promos: Key promotional periods are expected around major holidays and seasonal peaks for outdoor equipment, including Black Friday/Cyber Monday (November-December), Memorial Day (May), Labor Day (September), end-of-year clearance sales (December), and peak spring/summer outdoor equipment sales (March-July).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval for fair credit; useful for large Gravely purchases with promotional financing offers; occasional exclusive discounts on equipment.

Top Negative:
High regular APR after promotional period; limited use outside Gravely stores; customer service can be challenging; deferred interest can be a trap if balances aren't paid in full.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card (Synchrony)
  • John Deere Credit Card
  • Discover it Cash Back (for rotating categories like home improvement)

Card Value Score: 60.0 / 100

Est. Annual Rewards: $25.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2023-10