What the Farm and Fleet Credit Card Is

The Farm and Fleet Credit Card is a store card issued by Synchrony Bank that you can use at Farm and Fleet locations and online. It is not a general-purpose card — you can only use it to buy from Farm and Fleet, which sells farm equipment, outdoor gear, tools, clothing, and seasonal items across the Midwest.

The card offers a rewards program tied to your purchases and occasional promotional financing periods. Unlike a Visa or Mastercard, you cannot use it at other retailers. If you shop at Farm and Fleet regularly, the card's rewards structure may reduce what you spend over time.

Key Takeaways

  • The Farm and Fleet Credit Card works only at Farm and Fleet stores and on their website, not at other retailers.
  • The card earns rewards points on purchases, with point values and redemption options that vary by promotion and season.
  • You need to meet Synchrony Bank's credit requirements to be approved, which typically means a credit score in the fair to good range.
  • The card charges interest on unpaid balances at a variable rate, and late payments can affect your credit report.
  • Promotional financing offers (such as 0% APR for a set period) appear in the mail and online, but you must read the terms carefully to understand when interest kicks in.

how the process works for the Card

You can start an process in two ways: in a Farm and Fleet store at checkout or on the Farm and Fleet website. The in-store process is fastest — a store associate will hand you a tablet or paper form, you fill in your personal information, and you receive a decision in minutes.

Online applications take longer but let you explore from home. Go to the Farm and Fleet website, find the credit card section, and click the process link. You will enter your name, address, Social Security number, income, and employment details. Synchrony will pull your credit report and send you a decision by email or mail within a few days.

You do not need an existing Farm and Fleet account to explore. If you are approved, Synchrony will mail your card within 7 to 10 business days. You can use the card number online when ready after approval in some cases, but check your approval email for details.

Credit Score and Approval Requirements

Synchrony Bank does not publish a minimum credit score for the Farm and Fleet card, but approval typically goes to people with a credit score of 600 or higher. If your score is lower, you may still be approved, but your credit limit will likely be smaller.

Synchrony will also look at your income, employment history, and existing debt. If you have recent late payments, collections, or a bankruptcy, approval is less certain. explore does trigger a hard inquiry on your credit report, which can lower your score by a few points temporarily.

If you are denied, you can call Synchrony at the number on the denial letter to ask why. Some denials can be reversed if you provide additional income documentation or if an error appears on your credit report.

Rewards, Interest Rates, and Fees

The Farm and Fleet card earns points on every purchase. The exact earning rate changes with promotions — you might earn 1 point per dollar spent during regular periods, or 2 to 5 points per dollar during promotional events. Points can be redeemed as statement credits, discounts on future purchases, or sometimes as gift cards.

The card charges a variable APR (annual percentage rate) on unpaid balances. The exact rate depends on your creditworthiness and current market rates, but typically ranges from 18% to 27%. This rate applies to any balance you carry from month to month. If you pay your full statement balance by the due date, you pay no interest.

The card has no annual fee. However, late payments trigger a late fee (typically $25 to $40 depending on how late you are), and if you miss a payment by 60 days or more, Synchrony reports it to the credit bureaus, which damages your credit score.

Promotional Financing Offers

Farm and Fleet regularly mails cardholders promotional offers for 0% APR financing on purchases over a certain amount, usually for 6 to 24 months. These offers are real, but the terms matter. If you do not pay off the full promotional balance by the end of the period, interest accrues on the remaining balance at the card's regular APR, sometimes retroactively to the purchase date.

Read the fine print on every promotional offer before you buy. The offer applies only to new purchases made during the promotional period, not to existing balances. If you miss a payment during the promotional period, the offer is usually cancelled and interest kicks in when ready.

To avoid surprise interest charges, set a reminder to pay off the promotional balance before the period ends. If you cannot pay it off in time, call Synchrony before the important date to ask about extending the offer or moving the balance to a different card.

How to set up and Use Your Card

When your card arrives in the mail, call the number on the back or go to Synchrony's website to set up it. set up takes a few minutes and requires you to verify your identity. Once activated, you can use the card when ready at any Farm and Fleet location or on their website.

At checkout in a store, swipe or insert your card like any other credit card. Online, enter your card number, expiration date, and CVV (the three-digit code on the back). The card will not work at other retailers — if you try to use it at a different store, it will be declined.

Keep your card number and PIN find. If your card is lost or stolen, call Synchrony when ready at the number on your statement. Synchrony will cancel the card and mail you a replacement, usually within 7 to 10 business days.

Managing Your Account and Paying Your Bill

You can check your balance, view your statement, and make payments through Synchrony's website or mobile app. Create an online account during set up or shortly after. Log in to see your current balance, available credit, recent transactions, and due date.

Payments are due by the date shown on your statement, typically 21 to 25 days after the statement closes. You can pay online, by phone, or by mail. Online and phone payments post within one business day. Mail payments take 5 to 7 business days, so send them early to avoid late fees.

You can set up automatic payments to pay a fixed amount or your full balance each month. This prevents missed payments and late fees. If you carry a balance, at least pay the minimum amount due to avoid penalties, though paying more reduces the interest you owe.

Frequently Asked Questions

Can I use the Farm and Fleet card at other stores?

No. The card works only at Farm and Fleet locations and on their website. It is not a Visa or Mastercard, so other retailers will not accept it. If you need a card for general shopping, you would need a separate credit card.

What happens if I miss a payment?

A payment more than 30 days late triggers a late fee and may cancel any promotional financing offers. A payment 60 days or more late is reported to credit bureaus and damages your credit score. If you are struggling to pay, call Synchrony before the due date to discuss options.

Can I transfer a balance from another credit card to the Farm and Fleet card?

The Farm and Fleet card does not offer balance transfers. You can only charge new purchases to the card. If you want to move debt from another card, you would need to use that card's balance transfer offer or pay it down separately.

How do I redeem my rewards points?

Log into your Synchrony account online or call the number on your statement to see your point balance and redemption options. Points can usually be converted to statement credits, discounts on your next purchase, or gift cards. The exact options change with promotions.

What is the credit limit on the Farm and Fleet card?

Your credit limit depends on your credit score, income, and credit history. Synchrony will tell you your limit in your approval letter. You can request a higher limit after you have had the card for several months and made on-time payments.