Suzuki Finance Credit Card

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: suzuki-finance-credit-card

Issuer: Synchrony

Card Name: Suzuki Finance Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 15:36

Last Scraped: Feb 17, 2026 15:39

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING
Benefits & Protections (Detailed) 2 Total
PENDING
Financing 2
Deferred Interest Promotional Financing
Varies by promotion (e.g., 'No interest for 6 months', 'No interest for 12 months')

Cardholders may qualify for special financing offers where no interest is charged on the promotional purchase if the full promotional balance is paid in full within the specified promotional period. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date. Minimum monthly payments are required.

Reduced APR Fixed Payment Promotional Financing
Varies by promotion (e.g., 'Reduced APR for 36 months', 'Fixed payments for 48 months')

Cardholders may qualify for special financing offers with a reduced Annual Percentage Rate (APR) and fixed monthly payments for a specified promotional period on qualifying purchases.

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
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Not specified
Application Process
Not specified
Not specified
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Suzuki Finance Credit Card, issued by Synchrony Bank, primarily offers promotional financing on qualifying purchases at authorized Suzuki dealerships and online stores. There are typically no traditional sign-up bonuses (e.g., points, cashback) associated with this card. Eligibility requirements include being 18 years or older, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a valid U.S. mailing address, and being subject to Synchrony Bank's credit approval process. Approval generally requires a fair to good credit score, though specific offers may vary.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional bonus; promotional financing applies to qualifying purchases at the time of transaction.

Shutdown Risk Triggers: High cumulative credit limit across Synchrony products, defaulting on payments, extended periods of card inactivity, suspicious or fraudulent activity, rapid application for multiple Synchrony cards within a short timeframe, high utilization on the card itself.

Cliff Effect Rules: Synchrony does not have public 'cliff effect' rules (e.g., 5/24) like major issuers. However, internal underwriting rules limit the total credit extended to an individual across all Synchrony products, and high application velocity for multiple Synchrony cards within a short period can lead to denials.

Special Events: Seasonal sales events (e.g., Spring Sales, Fall Sales), new model year launches, parts and accessories promotions, service specials at authorized Suzuki dealerships, and specific financing offers tied to major purchases (e.g., new motorcycles, ATVs, marine products).

Holiday Promos: Major U.S. holidays such as Memorial Day, Labor Day, Black Friday/Cyber Monday, and Christmas/Year-End sales often feature enhanced promotional financing offers.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval for financing Suzuki purchases; useful for making large purchases affordable with special promotional offers.

Top Negative:
High interest rates after promotional periods; reported issues with Synchrony customer service and low credit limits; deferred interest can be complex.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Discover it Secured Credit Card
  • Capital One Platinum Credit Card
  • PenFed Platinum Rewards Visa Signature Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $15.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: SUZUKI CA 03/24