Kawasaki Credit Card
Basic Information
Program ID: kawasaki-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:00
Last Scraped: 01/15/2026 14:02
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: 2,999.00% - 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: $0.00
Spending Requirement: $199.00
Time Period: 180 days
Bonus Timing: N/A - This is a special financing offer, not a points/cash bonus. The financing terms apply immediately upon qualifying purchase.
Rewards Program
Reward Type: Brand Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Kawasaki Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after issuance or if account is inactive for 12 months.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: For 2026, the Kawasaki Credit Card from Synchrony is expected to continue its primary incentive of promotional financing (e.g., 0% APR for X months on qualifying purchases over a certain amount) rather than traditional points or cash back bonuses. Specific promotional offers will vary by period and purchase type. A first-purchase discount (e.g., 10-15% off) may also be offered as a sign-up incentive. Eligibility requirements include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid SSN or ITIN, and meeting Synchrony's creditworthiness criteria (credit score, income, debt-to-income ratio). Applications are typically processed online via Kawasaki's website or in-store at authorized dealerships.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional bonus spend; primary incentive is promotional financing. If a first-purchase discount is offered, spend is typically required immediately upon account opening. Promotional financing terms vary (e.g., 6, 12, 18, 24 months).
Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts relative to income, missed or late payments on any Synchrony account, suspicious or fraudulent activity, rapid accumulation of multiple Synchrony cards in a short period, significant adverse changes in credit profile (e.g., job loss, high debt-to-income ratio).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Special financing offers for Kawasaki purchases, no annual fee, convenient for brand loyalists.
Top Negative Feedback:
High APR outside of promotional periods, limited rewards/benefits for non-Kawasaki spending, customer service can be inconsistent.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Synchrony Car Care™ Credit Card
- Polaris Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $200.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 30% General / 70% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: 01/24