0
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Store Credit
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x on eligible Yamaha purchases (parts, accessories, service, apparel); 1x on all other purchases
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 0x
Transfer Partners: N/A - No transfer partners available.
Redemption Penalties: None, minimum redemption amount may apply (e.g., $25 equivalent).
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
Benefits Summary (Flags)
PENDINGExtended 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
PENDING$0
Cash BackRequirement: Spend $0 in 0 days
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.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| 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 & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 0%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: 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).
Max Cards Per Issuer: 5
Min Spend Interval: Not applicable for traditional bonus spend; promotional financing applies to specific purchases.
Cliff Effect Rules: Synchrony does not have explicit 'cliff effect' rules like some other major issuers. However, your overall credit exposure, payment history, and credit utilization across all your Synchrony accounts will significantly influence approval for new cards, credit limit increases, and continued account good standing.
Special Events: Expect special financing offers or discounts during Yamaha-specific events, new product launches, dealer open houses, and seasonal sales events (e.g., spring sales, year-end clearance). These promotions are typically advertised by Yamaha dealers or Synchrony.
Holiday Promos: Enhanced promotional financing or special discounts are common during major U.S. holidays such as Memorial Day, 4th of July, Labor Day, Black Friday, and the year-end holiday season.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Excellent promotional financing offers for Yamaha purchases, relatively easy approval process, useful for large recreational vehicle purchases.
Top Negative:
High standard APR after promotional periods, potential for deferred interest charges, limited rewards outside of Yamaha, customer service can be inconsistent.
Approval Experience: 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
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0