Fleet Rewards® Visa® Credit Card from Synchrony: annual fee, APR and rewards

Fact sheet for the Fleet Rewards® Visa® Credit Card, issued by Synchrony, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Synchrony
Network	Visa
Annual fee	$0
Rewards	Points: Earn five (5) Points for every dollar in net purchases at Fleet Farm store locations and online at FleetFarm.com; Visa cardholders also earn one (1) point for every dollar everywhere else Visa is accepted. Points expire 12 months after the month earned.
Purchase APR	22.24% for Account Type 1 or 33.24% for Account Type 2 when you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 28.12%, with a range of 22.49% to 33.74%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.