Yamaha Motor Finance Card
Basic Information
Program ID: yamaha-power-finance-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 17:53
Last Scraped: 01/15/2026 17:55
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: | None |
| 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: No traditional sign-up bonus (e.g., points, miles, or cash back for meeting a spending requirement) was found for the Yamaha Card on the provided page as of January 2026. The card primarily offers promotional financing options for qualified purchases.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on eligible Yamaha purchases (parts, accessories, service, apparel); 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 transfer partners available.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility requirements for the Yamaha Power Finance Card include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating sufficient income and creditworthiness. Approval is subject to Synchrony's credit criteria, typically requiring fair to good credit. The primary benefit of this card is promotional financing offers (e.g., 0% APR for a specified period) on qualifying Yamaha purchases, often with minimum purchase requirements. These offers are dynamic and subject to change, and the card does not typically offer traditional sign-up bonuses (points or cashback).
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional bonus spend; promotional financing applies to specific purchases.
Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, late payments, defaulting on promotional financing terms, excessive credit-seeking behavior (rapid applications for multiple Synchrony cards), and any indication of account abuse.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Excellent promotional financing offers for Yamaha purchases, relatively easy approval process, useful for large recreational vehicle purchases.
Top Negative Feedback:
High standard APR after promotional periods, potential for deferred interest charges, limited rewards outside of Yamaha, customer service can be inconsistent.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Chase Freedom Unlimited
- Discover it Cash Back
Card Value Score: 65.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 40% General / 60% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0