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Fleet Rewards® Visa®: Big Rewards for Upper Midwesterners

Cory Santos

| Last updated on October 2nd, 2023

Fleet Rewards® Visa®

Fleet Rewards® Visa®
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

Fleet Rewards® Visa®

  • 21.49% or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 29.99% Cash Advance APR

At a Glance

The Fleet Rewards® Visa® Credit Card lets Fleet Farm shoppers earn impressive rewards with every purchase. The card from Synchrony Bank features special financing on select Fleet Farm purchases, 10% off your first purchase with the brand, no foreign transaction fees, and no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 4X points on Fleet Farm purchases
  • Earn 1X on all other eligible purchases
  • Enjoy 6 months special financing on in-store purchases of $299 or more
  • Regular Purchase APR: 21.49% or 29.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 29.99%
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $41
  • You love Fleet Farm
  • You live in Iowa, Minnesota, North Dakota, South Dakota, or Wisconsin
  • You don’t want to pay a foreign transaction fee or annual fee

Fleet Rewards® Visa® Credit Card Review

The Fleet Rewards® Visa® is a co-brand retail credit card from Synchrony and American retail chain Fleet Farm.  The card offers many of the features of the closed-loop version of the Fleet Farm credit card but with the added benefits of 1X reward points on non-Fleet Farm purchases and the purchasing power of the Visa payment network – the world’s largest by the number of total merchants.

Introductory Offer

New Fleet Rewards® Visa® accounts also enjoy a special welcome offer. New cardholders enjoy 10% off their first in-store purchase when using the Fleet Rewards® Visa® at any of Fleet Farm’s 47 locations across five U.S. states. This offer has a value of up to $75 off the first purchase or 10% off $750 or less).

Quadruple Points on Fleet Farm Purchases

As noted, the Fleet Rewards Visa earns the most points on purchases at Fleet Farm locations. Namely, cardholders earn 4X points for every $1 spent on purchases at Fleet Farm® store locations and online at

Those 4X points are lucrative – especially for those in Minnesota, Iowa, Wisconsin, North Dakota, or South Dakota. Four points is also what the closed loop (only available for use at Fleet Farm locations or at the Fleet Farm credit card is from Synchrony.

The Visa version of the Fleet Rewards credit card differs; however, it earns 1X Fleet Rewards points for every $1 spent anywhere where Visa is accepted worldwide. While a single point outside of Fleet Farm isn’t exceptional, it does provide value for the Farm-natic that realizes “If Fleet Farm doesn’t have it, I don’t need it,” but is willing to reconsider for the correct item.

Here’s how the Fleet Farm store card and Visa credit card compare:

Fleet Farm Visa Fleet Farm Credit Card
Earn 4X points on Fleet Farm purchases
Earn 1X on all other purchases
No annual fee
Visa cardmember benefits

How to Redeem Rewards

Redeeming Fleet Rewards points with the Fleet Rewards® Visa® is simple. Points are automatically redeemed for $25 Fleet Rewards gift cards every time the accountholder reaches 2,500 reward points. There are no confusing redemption options, no points to expire, nothing – just use your card at Fleet Farm locations, online, or anywhere Visa is accepted worldwide.

Outdoor & Home Good Comparison

Here’s how the Fleet Farm Visa compares with two other outdoor and department store credit cards:

Fleet Rewards® Visa®

Bass Pro Shops® CLUB Card

Prime Visa
Annual fee $0 $0 $0
Rewards Earn 4X points on Fleet Farm purchases and 1X points on all other purchases Earn 2% back in CLUB Points on all Bass Pro Shops and Cabela’s Purchases and 1% back on all other purchases Earn 5% Back at and Whole Foods Market with an eligible Prime membership, plus 5% Back on purchases made through Chase Travel, 2% Back at restaurants, gas stations, and drugstores, plus 2% Back on local transit and commuting, including rideshares, and 1% back on all other purchases
Promotional financing 6 months on in-store purchases of $299 or more 9.99% APR on Bass Pro Shops or Cabela’s stores up to 18 months on purchases of $500 or more

Special Financing

Like other retail credit cards, the Fleet Rewards® Visa® features special promotional financing on qualifying purchases at Fleet Farm. Cardholders can pay off in-store purchases of $299 (after discounts) at 0% APR for 6 months.

Introductory financing isn’t special, as pretty much all retail cards offer this feature. Still, the opportunity to finance large purchases over time is excellent – especially for some of the bigger-ticket items on offer with Fleet Farm, including their farming, hunting, and outdoor products.

Other Card Features

Other notable features of the Fleet Farm Rewards Visa Card include:

Cardholders also enjoy Visa Platinum benefits and security protections. These include the following:

Zero Fraud Liability Cardholder Inquiry Services Emergency Card Replacement
Roadside Dispatch and Auto Collision Damage Waiver Lost/Stolen Card Reporting ID Navigator from Norton

Synchrony Ratings

How does Synchrony stack up as a credit card issuer? Here is a selection of ratings for the bank:

Should You Apply for the Fleet Farm Rewards® Visa® Credit Card?

The Fleet Rewards® Visa® Credit Card offers some value for residents of five U.S. states but struggles to find any real foothold elsewhere. Fleet Farm is a very popular store that enjoys exceptional customer support – and those customers will likely find enough value here to justify an application.

The card offers 4X points on Fleet Farm purchases, the same earning rate as the closed-loop store card version. Still, the Visa version features no annual fee and no foreign transaction fees, making it worth considering the Visa versus the store card. Even better, the Visa version of the card earns rewards outside of Fleet Farm locations – should travel take you outside of the Midwest.

Overall, the Fleet Rewards® Visa® Credit Card is a decent retail card for the northern Midwesterner who loves all things Fleet Farm and wants special financing options for their biggest buys.

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