RV & Powersports Credit Card

Synchrony Pending

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2

Benefits

4

Reward Categories

3x

Max Reward

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APR From
Basic Information
PENDING

Program ID: recreational-vehicle-rv-credit-card

Issuer: Synchrony

Card Name: RV & Powersports Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:57

Last Scraped: Feb 17, 2026 07:58

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
RV Dealership Purchases 3x Points Qualifying purchases at participating RV dealerships No Cap
Gas 2x Points Gas purchases No Cap
Dining 2x Points Restaurant purchases No Cap
All Other Purchases 1x Points All other purchases No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 2 Total
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Financial 1
Promotional Financing Offers
Varies by promotional offer

Cardholders may qualify for special financing offers, such as deferred interest or reduced APR periods, on eligible RV purchases or services made with the card. These offers are subject to specific terms and conditions and are designed to help consumers get into their next RV.

Lifestyle 1
Online Account Management
24/7 online access

Access a secure online portal to manage your RV credit card account, view statements, make payments, set up alerts, and update personal information conveniently from any device, 24/7.

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
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
Not specified
Not specified
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Recreational Vehicle (RV) Credit Card in 2026 requires applicants to be a U.S. resident, at least 18 years of age, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and generally have a good to excellent credit score (typically FICO 670+). New cardholders may be eligible for a one-time sign-up bonus, such as a percentage discount (e.g., 10-15% off up to $500) on their first qualifying RV-related purchase made within a specified period (e.g., 90 days) or special promotional financing offers (e.g., 0% APR for 12-24 months on qualifying purchases over $1,000). Application approval is subject to Synchrony's credit underwriting standards and assessment of the applicant's overall credit profile and existing Synchrony credit exposure. Card usage and bonus redemption are strictly limited to participating RV dealerships, service centers, and related merchants within the Synchrony network, as per store-specific restrictions.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (too many recent applications), high cumulative credit limit across all Synchrony accounts, unusual spending patterns inconsistent with RV-related purchases, payment defaults on any Synchrony-issued account, or suspected fraud.

Cliff Effect Rules: Synchrony does not have specific 'card family' rules that directly impact eligibility for other cards within a defined family. However, Synchrony actively manages a cardholder's total credit exposure across all Synchrony-issued credit products. Accumulating too many Synchrony cards or reaching a high cumulative credit limit can lead to denials for new applications, credit limit reductions on existing accounts, or account closures, even if individual accounts are in good standing.

Special Events: Expect recurring promotional financing events throughout the year, such as 0% APR for extended periods (e.g., 18-36 months) on large RV purchases, service, or parts, often tied to specific spending thresholds or product categories. These events are typically advertised directly by participating RV dealerships.

Holiday Promos: Anticipate special financing offers or bonus reward opportunities during peak RV buying seasons and major holidays (e.g., Memorial Day, 4th of July, Labor Day, Black Friday, year-end sales). These promotions often include enhanced deferred interest options or statement credits for qualifying purchases.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Appreciated for special financing offers on RV purchases and accessories, making large purchases more manageable. Useful for dedicated RV enthusiasts.

Top Negative:
Concerns about customer service responsiveness, high interest rates if promotional periods are missed, and limited acceptance outside of participating RV dealers.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Chase Sapphire Preferred
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Card Value Score: 65.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0