10
Benefits4
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Nissan Purchases | 5x | Points | Net Purchases made at participating Nissan dealerships and NissanUSA.com. | No Cap | |
| Gas | 3x | Points | Net Purchases made in the gas category (merchants classified by MCCs for gas stations). | No Cap | |
| Dining | 3x | Points | Net Purchases made in the dining category (merchants classified by MCCs for restaurants, bars, and fast food establishments). | No Cap | |
| All Other Purchases | 1x | Points | Net Purchases made in all other categories. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x Nissan Dealership Purchases, 2x Gas, 2x Dining
Quarterly Rotating: No
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 10 Total
PENDINGFinancial 2
No Annual Fee
$0The Nissan Visa Card does not charge an annual fee.
Online Account Management
Convenient account accessManage your Nissan Visa Card account online, including viewing statements, making payments, and tracking rewards.
Lifestyle 1
Digital Wallet Compatibility
Enhanced convenienceUse your Nissan Visa Card with popular digital wallets for secure and convenient payments.
Rewards 6
Accelerated Points at Nissan/Infiniti Dealerships
5 points per $1Earn 5 points for every $1 spent on qualifying purchases at Nissan and Infiniti dealerships.
Accelerated Points on Gas & Dining
2 points per $1Earn 2 points for every $1 spent on qualifying gas and dining purchases.
Base Points on All Other Purchases
1 point per $1Earn 1 point for every $1 spent on all other qualifying purchases.
Points Redemption for Nissan/Infiniti Purchases
Varies by redemptionRedeem earned points towards Nissan and Infiniti purchases, including vehicles, parts, service, and accessories.
Points Redemption for Statement Credit
Varies by redemptionRedeem earned points for a statement credit on your Nissan Visa Card account.
Points Redemption for Gift Cards
Varies by redemptionRedeem earned points for gift cards from various merchants.
Security 1
Zero Liability Fraud Protection
100% protectionProtects cardholders from unauthorized purchases made with their card or account information. Cardholders are not held responsible for fraudulent charges.
Benefits Summary (Flags)
PENDINGExtended 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
PENDINGAdditional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Cash Advance APR: 31.24%
Intro APR Offers
Intro Purchase APR: 0% for 6 months
Intro BT APR: 0% for 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Nissan Visa Card requires applicants to be 18 years or older (19 in AL/NE), a US resident with a valid SSN or ITIN, and possess good to excellent credit (typically FICO 670+). Approval is subject to income verification and existing credit obligations. New cardmembers may receive a one-time bonus (e.g., $100 statement credit or equivalent points) after meeting a specified spending threshold (e.g., $500) within the initial 90 days of account opening. This bonus is generally available only once per lifetime or per a defined period (e.g., 24-48 months) for the same product. While a general-purpose Visa, the card's rewards structure is heavily optimized for redemption at Nissan dealerships for service, parts, or vehicle purchases, offering the highest value for Nissan-specific spending.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony generally does not have complex 'cliff effect' rules tied to card families. However, eligibility for sign-up bonuses is typically restricted to new cardmembers who have not held the specific Nissan Visa Card product within a certain timeframe (e.g., 24-48 months) or ever, depending on the specific offer terms.
Special Events: Periodic promotions at Nissan dealerships, including special financing offers, service discounts, or bonus point opportunities for specific purchases (e.g., new vehicle down payments, major service milestones, seasonal maintenance packages).
Holiday Promos: Common promotional periods include Black Friday/Cyber Monday, end-of-year sales, President's Day, Memorial Day, Labor Day, and other major retail holidays, often featuring bonus points or special financing rates for Nissan-related purchases.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.7 / 5.0
Top Positive:
Card offers strong rewards for Nissan purchases (5x points), good bonus categories for gas and dining (2x points), and points are easily redeemable for Nissan services, parts, or vehicle purchases.
Top Negative:
High APR, frequent complaints about Synchrony Bank's customer service, difficulty with credit limit increases, and rewards are less valuable if not used for Nissan-related expenses.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Toyota Rewards Visa
- Citi Custom Cash Card
- Blue Cash Preferred Card from American Express
Card Value Score: 70.0 / 100
Est. Annual Rewards: $290.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0