Textron Off Road Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: textron-off-road-credit-card

Issuer: Synchrony

Card Name: Textron Off Road Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:09

Last Scraped: Feb 17, 2026 10:11

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits under the Servicemembers Civil Relief Act (SCRA) for eligible active duty military personnel, including interest rate reduction on accounts opened prior to active duty start date.

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) 4 Total
PENDING
Financial 2
No Annual Fee
$0

The Textron Off Road Credit Card does not charge an annual fee for card membership.

Convenient Monthly Payments
N/A

The Textron Off Road Credit Card provides the flexibility of convenient monthly payments for purchases made at Textron Off Road.

Lifestyle 1
Online Account Management
N/A

Cardholders can conveniently manage their Textron Off Road Credit Card account online, including viewing statements, making payments, and checking account balances.

Shopping 1
Special Financing Offers
Varies by promotion

Cardholders gain access to exclusive promotional financing offers on Textron Off Road products, allowing for deferred interest or reduced APR periods. Specific offers vary and are subject to credit approval.

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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18, 24, 36, 48 or 60 Months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Hard Pull Only
Application Process
Not specified
Not specified
TransUnion, Experian
Issuer Rules & Policies
PENDING

Rules: For 2026, the Textron Off Road Credit Card, issued by Synchrony, is primarily designed for purchases at Textron Off Road dealerships and authorized retailers. Application eligibility requires applicants to be at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. Approval is subject to a review of the applicant's credit history and ability to pay. The primary 'bonus rule' for this store card is expected to be promotional financing offers, such as 0% APR for a specified period (e.g., 6, 12, 18, or 24 months) on qualifying purchases above a certain minimum threshold (e.g., $299, $499, $999). These are typically deferred interest promotions, meaning interest accrues from the purchase date if the balance is not paid in full by the end of the promotional period. Traditional cash back or points sign-up bonuses are generally not offered for this type of store card.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for traditional sign-up bonuses. Promotional financing terms apply to specific purchases at the time of transaction, with repayment periods varying (e.g., 6, 12, 18, 24 months) to avoid deferred interest.

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across multiple Synchrony accounts relative to income, excessive credit seeking (numerous applications in a short period), suspicious spending patterns inconsistent with typical Textron Off Road purchases, failure to make payments or defaulting on other Synchrony accounts, abuse of promotional financing terms, or suspected fraud.

Cliff Effect Rules: Synchrony does not typically have 'card family' bonus restrictions like other major issuers. However, approval for new Synchrony cards and credit limit increases are heavily influenced by the total credit exposure across all existing Synchrony accounts. Reaching a perceived maximum cumulative credit limit with Synchrony can lead to denials for new applications or credit limit requests, regardless of individual card performance or payment history on other Synchrony products.

Special Events: Expected to align with Textron Off Road's seasonal sales events, new product launches, and dealership-specific promotions. These may include enhanced special financing offers, exclusive discounts for cardholders on parts or accessories, or limited-time bonus rewards (if a rewards program is active).

Holiday Promos: Anticipated to feature enhanced promotional financing offers or special discounts during major retail holidays such as Black Friday, Cyber Monday, Memorial Day, Labor Day, and year-end sales. These promotions are typically advertised directly by Textron Off Road and Synchrony.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Access to special financing offers for Textron Off Road purchases; convenient payment options; quick application process.

Top Negative:
High standard APR after promotional period; deferred interest can be costly if not paid in full; limited utility outside Textron Off Road; customer service issues with Synchrony.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Lowe's Advantage Card
  • CareCredit
  • Capital One Platinum Secured Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0