Fleet Rewards® Visa®

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Last updated on February 9th, 2022

Fleet Rewards® Visa®

Fleet Rewards® Visa®
  • Regular Purchase APR 18.49% or 29.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Excellent , Good
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 18.49% or 29.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • 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
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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.

Ideal for Those Who:

  • Love Fleet Farm
  • Live in Iowa, Minnesota, North Dakota, South Dakota, or Wisconsin
  • 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 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.

Quadruple Points on Fleet Farm Purchases

As noted, the Fleet Rewards Visa earns its 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 FleetFarm.com.

That 4X points is 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 FleetFarm.com) Fleet Farm credit card – also 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.

How to Redeem Rewards

Redeeming Fleet Rewards points with the Fleet Rewards® Visa® is simple. Points automatically redeem 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.

fleet rewards credit card

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).

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:

User Testimonials

What is the Mills Fleet Farm Rewards Visa like to live with? Before deciding if the card is right for you, here’s what our readers and members think about the card and company:

Ken W
Ken WYelp Review
Read More
Fishing & Hunting departments are the best of any Fleet Farm I've been too! More variety, fully stocked and price is right!
Nette C
Nette CYelp Review
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This store is better than any Lowe's or Home Depot I've ever been to. But it's so much more than that! We were looking all over town for an electric burner and there were many appliances, home furnishings, lawn supplies. I wish I had one of these where I live!
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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 that loves all things Fleet Farm and wants special financing options for their biggest buys.

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