Fleet Rewards® Mastercard® Review: Rewards, Fees & Benefits

Rewards

Travel Portal1x

Category	Rate	Type	Cap
Online Shopping Purchases made at Fleet Farm stores or fleetfarm.com	5x	Cash Back	No cap
All Other Purchases Purchases made everywhere else outside of Fleet Farm	1x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The Fleet Farm Rewards Credit Card has no annual fee.	Financial	$0 Up to $0
Digital Wallet Compatibility The card is compatible with digital wallets for convenient and secure payments.	Lifestyle	Compatible with major digital wallets
Paperless Statements Option to receive electronic statements instead of paper statements.	Lifestyle	—
Account Alerts Receive alerts regarding account activity, payments, and other important information.	Security	Customizable alerts
Online Account Management Manage your account, view statements, and make payments online.	Security	Full online access
Visa Zero Liability Fraud Protection Protection against unauthorized purchases with Visa's Zero Liability policy. Cardholders are not responsible for unauthorized charges made with their card or account information.	Security	Full protection
Rewards Earning - All Other Purchases Earn 1 point for every $1 spent on all other qualifying purchases everywhere else Visa is accepted.	Shopping	1 point per $1
Rewards Earning - Fleet Farm Purchases Earn 4 points for every $1 spent on qualifying purchases at Fleet Farm.	Shopping	4 points per $1
Rewards Earning - Gas & Restaurant Purchases Earn 2 points for every $1 spent on qualifying gas and restaurant purchases.	Shopping	2 points per $1
Rewards Redemption Receive a $5 Fleet Farm Reward for every 2,500 points earned. Rewards are issued in $5 increments.	Shopping	$5 reward for 2,500 points Up to $5
Special Financing Offers Access to special financing offers on qualifying purchases made with the Fleet Farm Rewards Credit Card.	Shopping	Varies by offer

Interest Rates

Purchase APR21.24%–31.24% Variable

Cash Advance APR29.99%

Penalty APR32.24%

Min. Interest Charge$2

Deferred Interest Warning: 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 are required.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

600 Recommended minimum FICO · Range 600–700

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleNo

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 7 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (less common for store cards), high cumulative credit limit across all Synchrony accounts, excessive credit-seeking behavior (numerous recent applications), late payments or defaults on any Synchrony account, suspicious or fraudulent activity, extended account inactivity, or significant adverse changes in credit profile.

Cliff Effect Rules

Synchrony store cards generally operate independently. There are no explicit 'cliff effect' rules where holding one Fleet Farm card impacts eligibility for another tier of Fleet Farm card, as only one primary card is offered. However, overall credit limits and recent applications across all Synchrony cards can indirectly affect approval for any new Synchrony card, including this one.

International Friendly

May have limitations for international use.

Additional Issuer Rules

For 2026, the Fleet Farm Rewards Credit Card, issued by Synchrony, maintains its core application and eligibility requirements. Applicants must be 18 years or older, possess a valid U.S. government-issued photo ID, a valid U.S. Social Security Number, and a U.S. residential address. Approval is contingent on creditworthiness, typically requiring a fair to good credit score. Applications can be submitted online or in-store, often resulting in an instant decision, and will involve a hard inquiry on the applicant's credit report. There is no standard sign-up bonus requiring a minimum spend; the primary ongoing benefit is 5% back in rewards on Fleet Farm purchases. Limited-time promotional offers (e.g., a percentage off the first purchase) may be available periodically.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Fleet Rewards® Mastercard®