Fleet Rewards® Visa® Card Review: Rewards, Fees & Benefits

Rewards

Reward TypeCash Back

Base Rate1x / 1%

Bonus RateUp to 5x

Point Value~0.01¢ each

Travel Portal1x

Redemption NotesRewards are automatically issued as a Fleet Farm Gift Card in $10 increments.

Category	Rate	Type	Cap
Fleet Farm Purchases Purchases made at Fleet Farm stores or fleetfarm.com	5x	Cash Back	No cap
Gas Purchases at gas stations	2x	Cash Back	No cap
Dining Purchases at restaurants	2x	Cash Back	No cap
All Other Purchases All eligible purchases outside of Fleet Farm, gas, and restaurant categories	1x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The Fleet Farm Rewards Visa® Credit Card has no annual fee.	Financial	$0 Up to $0
Visa Zero Fraud Liability Protects cardholders from unauthorized purchases made with their card or account information. Cardholders are not held responsible for fraudulent charges.	Security	Full protection against unauthorized charges
Exclusive Cardmember Offers Access to exclusive discounts and promotional offers available only to Fleet Farm Rewards Visa® Credit Cardmembers.	Shopping	Varies by offer
Rewards on All Other Purchases Earn 1% back in Rewards on all other purchases everywhere Visa® is accepted.	Shopping	1% back in Rewards
Rewards on Fleet Farm Purchases Earn 5% back in Rewards on purchases made at Fleet Farm stores and fleetfarm.com.	Shopping	5% back in Rewards
Rewards on Gas and Restaurant Purchases Earn 2% back in Rewards on eligible gas and restaurant purchases everywhere Visa® is accepted.	Shopping	2% back in Rewards
Rewards Redemption Redeem earned Rewards for Fleet Farm Gift Cards.	Shopping	Redeemable for Fleet Farm Gift Cards
Special Financing Offers Access to special financing offers on qualifying purchases made at Fleet Farm.	Shopping	Varies by offer

Interest Rates

Purchase APR21.24%–31.24% Variable

Balance Transfer APR31.24%

Cash Advance APR31.24%

Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater.

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

670 Recommended minimum FICO · Range 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 6 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Synchrony accounts, frequent returns or abuse of return policies, late payments, defaulting on payments, opening too many Synchrony accounts in a short period (app-o-rama), or significant changes in credit profile.

Cliff Effect Rules

Synchrony does not typically have specific 'card family' rules for co-branded cards like the Fleet Farm Rewards Visa that restrict applications based on other Synchrony cards in the same way major issuers do. The primary 'cliff effect' would be reaching Synchrony's internal maximum credit exposure limit across all Synchrony products, which could lead to denials for new applications or credit line reductions on existing accounts.

International Friendly

May have limitations for international use.

Additional Issuer Rules

To be eligible for the Fleet Farm Rewards Visa, applicants must be 18 years or older, possess a valid government-issued photo ID, a valid U.S. mailing address, and a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to Synchrony Bank's creditworthiness criteria, which typically requires fair to good credit. New cardholders often receive an initial incentive, such as 10% off their first Fleet Farm purchase (up to a maximum discount, e.g., $50) when opening and using the card. This card earns 5% back on Fleet Farm purchases, 2% back on gas and restaurant purchases, and 1% back on all other purchases.

Military & Hardship

MLA Compliant

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

Hardship Program

Hardship program available.

Fleet Rewards® Visa® Card