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 works like most retail cards: you make purchases at the store, receive a bill, and pay it back over time or in full. The card offers discounts and rewards on Farm and Fleet purchases, but it can only be used at Farm and Fleet — not at other retailers.
Farm and Fleet is a chain of farm supply and outdoor retail stores across the Midwest. If you shop there regularly for tools, equipment, clothing, or seasonal items, the card's rewards structure may save you money compared to paying with cash or a regular credit card.
Key Takeaways
- The Farm and Fleet card is a store-only card issued by Synchrony Bank that earns rewards on purchases at Farm and Fleet locations and online.
- The card typically offers promotional financing periods (such as 12 months interest-free on certain purchases) and percentage discounts on specific product categories.
- You will need to provide personal information, income details, and authorize a credit check when you open an account.
- The card's interest rate and credit limit depend on your credit history and income, which Synchrony evaluates during the approval process.
- Rewards and promotional offers change periodically, so checking your cardholder materials or the Farm and Fleet website will show you what is currently available.
How to Open a Farm and Fleet Credit Card Account
You can open an account in-store at any Farm and Fleet location or online through the Farm and Fleet website. In-store, ask a cashier or customer service representative for a credit card process. Online, look for the credit card link on the Farm and Fleet homepage — it usually appears in the footer or under an account menu.
The process asks for your name, address, date of birth, Social Security number, annual income, and employment information. Synchrony will pull your credit report to make a decision. You will receive a response within minutes if you explore online, or within a few business days if you explore in-store. If you are approved, your card will arrive by mail within 7 to 10 business days.
If you are denied, you can contact Synchrony to understand why. Common reasons include insufficient credit history, a recent missed payment on another account, or income below what Synchrony requires for that card product.
Understanding the Rewards and Promotional Offers
Farm and Fleet card rewards typically include a percentage discount on purchases in certain categories — for example, 5% off clothing or 10% off seasonal items during specific months. The exact discounts change throughout the year and vary by product type. Your cardholder agreement and monthly statements will show which discounts are active.
The card also usually offers promotional financing periods, such as 12 months interest-free on purchases over a certain amount. These promotions rotate and are not permanent. If you miss a payment during a promotional period, the interest-free status may end and you could owe interest retroactively on the full balance.
Check your cardholder materials or log into your online account to see current offers. Farm and Fleet also sends promotional details by mail or email to cardholders.
Interest Rates, Fees, and Credit Limits
The Farm and Fleet card carries a variable interest rate (called the APR, or annual percentage rate) that Synchrony sets based on your credit score and history. This rate can change over time as market conditions shift. Your cardholder agreement will state your starting APR and explain how it may change.
The card typically has no annual fee, but you will owe interest on any balance you carry past the due date — unless you are in a promotional interest-free period. If you make a late payment, you may face a late fee and a higher penalty APR on future purchases.
Your credit limit is the maximum amount you can charge on the card. Synchrony sets this based on your income and credit history. You can request a credit limit increase after you have had the card for several months and made on-time payments.
How to Make Payments and Manage Your Account
You can pay your Farm and Fleet card bill online through the Synchrony website, by phone, by mail, or in-store at Farm and Fleet locations. To pay online, create an account on the Synchrony website using your card number and Social Security number. You can set up automatic monthly payments so you never miss a due date.
Your statement will show your balance, minimum payment due, and due date. If you pay only the minimum, you will owe interest on the remaining balance. Paying the full balance by the due date means you owe no interest (unless you are carrying a balance from a previous month).
You can check your balance, view statements, and update your contact information by logging into your Synchrony account online or calling the customer service number on the back of your card.
When a Store Card Makes Sense for Your Spending
A store card is worth opening if you shop at that store regularly and the rewards or promotional offers save you more money than you would spend on interest or fees. If you visit Farm and Fleet several times a year and spend at least a few hundred dollars annually, the discounts may add up.
However, if you only shop there once or twice a year, or if you tend to carry a balance and pay interest, the card may cost you more than it saves. Store cards also have higher interest rates than many general-purpose credit cards, so carrying a balance is expensive.
Before opening the card, compare the rewards to what you would earn with a cash-back credit card you already own. If the Farm and Fleet discounts are better for your shopping habits, the card is worth considering.
What Happens If You Miss a Payment
If your payment is late, Synchrony will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment). Your interest rate may also jump to a penalty APR, which is higher than your regular rate. Late payments stay on your credit report for seven years and can lower your credit score.
If you fall behind on multiple payments, Synchrony may close your account and send your debt to a collection agency. This will seriously damage your credit and make it harder to borrow money in the future.
If you miss a payment, contact Synchrony as soon as possible. Explain your situation and ask whether they can work with you on a payment plan or hardship program. The sooner you catch up, the less damage to your credit.
Frequently Asked Questions
Can I use the Farm and Fleet card anywhere besides Farm and Fleet?
No. The Farm and Fleet card is a store card and works only at Farm and Fleet locations and on the Farm and Fleet website. It cannot be used at other retailers or to withdraw cash from an ATM.
What credit score do I need to open a Farm and Fleet card?
Synchrony does not publish a minimum credit score requirement. Generally, store cards are easier to get than major credit cards, so people with fair or good credit have a reasonable chance of approval. If you have poor credit or no credit history, you may be denied or offered a lower credit limit.
How long does it take to receive my card after I am approved?
If you explore online, you may receive approval within minutes. Your physical card will arrive by mail within 7 to 10 business days. If you explore in-store, approval takes a few business days and your card arrives by mail on the same timeline.
Can I transfer a balance from another credit card to the Farm and Fleet card?
Farm and Fleet cards typically do not offer balance transfer options. You can only charge new purchases to the card. If you want to move a balance from another card, you would need to use that card's balance transfer offer or pay off the old card with cash.
What should I do if I lose my card or suspect fraud?
Call the customer service number on the back of your card when ready, or contact Synchrony directly. Report the card as lost or stolen, and Synchrony will cancel it and mail you a replacement. You are not responsible for fraudulent charges if you report them promptly.