Suzuki Credit Card
Basic Information
Program ID: suzuki-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:55
Last Scraped: 01/15/2026 13:57
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
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: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No traditional sign-up bonus (points, miles, or cash) is publicly advertised online for the Suzuki Credit Card. Promotional financing offers are typically available in-store or at participating dealers, and their specific terms (including any associated approval timing for the promotional offer) would be disclosed at the point of sale.
Rewards Program
Reward Type: Suzuki Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on eligible Suzuki purchases (parts, service, accessories, new vehicle down payments at authorized dealerships); 1x on all other purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: N/A - No direct transfer partners for this co-branded card.
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: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Suzuki Credit Card, issued by Synchrony, is primarily a private label store card designed for purchases at authorized Suzuki dealerships and online. Eligibility requirements typically include being at least 18 years of age, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating sufficient income and a satisfactory credit history. While specific credit score requirements are not publicly disclosed, Synchrony generally targets applicants with fair to good credit for their store card products. The primary 'bonus' for this card is usually promotional financing offers (e.g., 0% APR for a specified period on qualifying Suzuki purchases) or exclusive discounts on Suzuki products, parts, accessories, and services. Traditional cash-back or points-based sign-up bonuses with a spend requirement are uncommon for this type of card.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for primary promotional financing offers; specific spend-based promotions would define their own intervals.
Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, excessive credit seeking behavior (multiple recent applications), missed payments, high utilization rates, suspected fraudulent activity, or significant changes in credit profile indicating increased risk.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy approval process, useful promotional financing for large purchases, good for building credit for those with fair credit.
Top Negative Feedback:
High regular APR after promotional period, limited rewards outside specific purchases, customer service can be slow, deferred interest can be a trap.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- Wells Fargo Active Cash Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $50.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 10% General / 90% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0