Toro Credit Card

Synchrony Pending

Back Apply Now

1

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: toro-credit-card

Issuer: Synchrony

Card Name: Toro Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:42

Last Scraped: Feb 17, 2026 10:44

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) 1 Total
PENDING
Financing 1
Special Promotional Financing
Varies by promotion and purchase

Access to special promotional financing offers on qualifying Toro purchases made with the Toro Credit Card, issued by Synchrony. These offers typically include deferred interest or low-APR periods, allowing cardholders to pay for purchases over time with specific terms. Specific terms (e.g., 0% APR for 12 months) vary by promotion, purchase amount, and creditworthiness.

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
Min Interest Charge: $2.00
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 the promotional period. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: For 2026, the Toro Credit Card, issued by Synchrony, is expected to offer new cardholders an introductory bonus, such as a percentage off their first Toro purchase or a statement credit after meeting a specified spend threshold within the initial 3 months. Specific offers are subject to change annually and may vary by application channel. Eligibility requirements include being 18 years or older, a U.S. resident, and possessing a valid Social Security Number or ITIN. Approval is subject to Synchrony's credit underwriting standards, typically requiring a good to excellent credit score (FICO 670+). Existing Synchrony cardholders may face additional scrutiny if they have a high cumulative credit limit or numerous recent applications. Synchrony reserves the right to limit the number of accounts an individual can hold. Store-specific restrictions apply to all offers and redemptions, including eligible products and services at Toro dealers or online.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (e.g., unusual gift card purchases if applicable), spending patterns inconsistent with typical Toro product purchases, high cumulative credit limit across multiple Synchrony accounts, frequent balance transfers, payment defaults, or suspected fraudulent activity. Synchrony is sensitive to rapid credit line utilization across multiple accounts.

Cliff Effect Rules: While Synchrony does not have a strict 'cliff effect' like some major issuers, it evaluates overall credit exposure. Applying for multiple Synchrony cards in a short period or accumulating a very high total credit limit across Synchrony accounts can lead to denials for new applications or credit limit reductions on existing cards. Approval for one Synchrony store card does not guarantee approval for another, and existing account health (e.g., payment history, utilization) is a significant factor in new application decisions.

Special Events: Frequent promotional financing offers (e.g., 0% APR for 6, 12, 18, or 24 months on qualifying Toro purchases), exclusive cardholder discounts during specific sales events, and early access to new Toro products or promotions are common throughout the year.

Holiday Promos: Significant promotional activity is expected during key retail periods such as Black Friday, Cyber Monday, Spring/Summer sales (particularly relevant for Toro products), and year-end clearance events. These periods often feature enhanced financing options or bonus rewards for cardholders.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Convenient financing for Toro products, special promotional offers, easy application process.

Top Negative:
High standard APR after promotional period, limited use to Toro purchases only, potential for deferred interest.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Discover it Cash Back
  • Chase Freedom Unlimited
  • Local Bank Personal Loan

Card Value Score: 70.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: 2024-01-01