Husqvarna Credit Card Review: Rewards, Fees & Benefits

Rewards

Category	Rate	Type	Cap
All Purchases The Husqvarna Credit Card is a deferred-interest promotional financing product issued by Synchrony Bank for outdoor power equipment purchases at Husqvarna dealers and does not earn rewards, points, miles, or cash back on purchases.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
12-Month No Interest Special Financing No interest if paid in full within 12 months on qualifying purchases made with the Husqvarna Credit Card. Minimum monthly payments required. See store for details. Subject to credit approval. Minimum purchase required.	Financing	No interest for 12 months
18-Month No Interest Special Financing No interest if paid in full within 18 months on qualifying purchases made with the Husqvarna Credit Card. Minimum monthly payments required. See store for details. Subject to credit approval. Minimum purchase required.	Financing	No interest for 18 months
24-Month No Interest Special Financing No interest if paid in full within 24 months on qualifying purchases made with the Husqvarna Credit Card. Minimum monthly payments required. See store for details. Subject to credit approval. Minimum purchase required.	Financing	No interest for 24 months
36-Month No Interest Special Financing No interest if paid in full within 36 months on qualifying purchases made with the Husqvarna Credit Card. Minimum monthly payments required. See store for details. Subject to credit approval. Minimum purchase required.	Financing	No interest for 36 months
48-Month No Interest Special Financing No interest if paid in full within 48 months on qualifying purchases made with the Husqvarna Credit Card. Minimum monthly payments required. See store for details. Subject to credit approval. Minimum purchase required.	Financing	No interest for 48 months
6-Month No Interest Special Financing No interest if paid in full within 6 months on qualifying purchases made with the Husqvarna Credit Card. Minimum monthly payments required. See store for details. Subject to credit approval. Minimum purchase required.	Financing	No interest for 6 months
60-Month No Interest Special Financing No interest if paid in full within 60 months on qualifying purchases made with the Husqvarna Credit Card. Minimum monthly payments required. See store for details. Subject to credit approval. Minimum purchase required.	Financing	No interest for 60 months

Interest Rates

Purchase APR29.99% Variable

Penalty APR29.99%

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 6, 12, 18, 24, 36, 48 or 60 months. Minimum monthly payments required. See store for details. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

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

Missed payments, high credit utilization across Synchrony accounts, defaulting on any Synchrony-issued credit product, suspicious account activity, or significant negative changes in credit profile.

Cliff Effect Rules

Synchrony generally manages each store card as a separate credit line. While overall credit exposure with Synchrony can influence new application approvals, existing cards typically operate independently unless there is a default or severe negative activity on one account, which could trigger a review across all Synchrony accounts.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility for the Husqvarna Credit Card (issued by Synchrony Bank) requires applicants to be at least 18 years old, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony Bank's creditworthiness criteria. Applications are typically processed online, in-store at authorized Husqvarna dealers, or via phone. This card primarily offers special financing promotions (e.g., 'No interest if paid in full within X months on qualifying purchases') rather than traditional sign-up bonuses. Specific promotional terms and eligibility for these offers are disclosed at the time of purchase or application.

Military & Hardship

MLA Compliant

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

Hardship Program

Hardship program available.

Husqvarna Credit Card