Yamaha Credit Card
Basic Information
Program ID: yamaha-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:58
Last Scraped: 01/15/2026 14:00
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
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: Based on typical Synchrony offerings for the Yamaha Credit Card, no traditional sign-up bonus (e.g., points, miles, or cash back for meeting a spend threshold) is offered. The card primarily provides promotional financing options, such as 'No Interest if Paid in Full within X months' on qualifying purchases. Therefore, there is no bonus approval timing for a traditional welcome offer.
Rewards Program
Reward Type: Special Financing Offers
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: The Yamaha Credit Card, issued by Synchrony, is primarily a financing card. It does not offer a traditional points or cash back rewards program on purchases. Its main benefit is special financing promotions on qualifying Yamaha products and services.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - No points or rewards are earned, thus none expire.
Transfer Partners: N/A - No transfer partners are associated with this card.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 780
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Yamaha Credit Card (Synchrony) in 2026 is projected to require applicants to be 18+ years old (19+ in AL/NE), a US resident with a valid SSN/ITIN, and possess verifiable income. While Synchrony store cards can sometimes be approved with fair credit (FICO 620+), good to excellent credit (FICO 670+) is generally preferred for higher credit limits. The primary 'bonus' is typically promotional deferred interest financing offers (e.g., 0% APR for 6, 12, 18, 24, 36, or 48 months) on qualifying purchases made at authorized Yamaha dealers or for Yamaha products/services. There is no traditional cash back or points sign-up bonus.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: Varies by promotional offer, typically 6, 12, 18, 24, 36, or 48 months for deferred interest financing.
Shutdown Risk Triggers: High credit utilization across all Synchrony accounts, excessive credit inquiries, defaulting on any Synchrony account, abuse of promotional financing terms (e.g., not paying off deferred interest balance by the deadline), rapid application for multiple Synchrony cards, significant credit score deterioration, or bankruptcy filings.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval for financing large purchases like motorcycles and ATVs, with beneficial promotional APR offers.
Top Negative Feedback:
High interest rates after promotional periods, reports of poor customer service, and confusing billing statements leading to deferred interest issues.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One Quicksilver
- Wells Fargo Reflect
Card Value Score: 55.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0