Fleet Farm Credit Card: Rewards, Benefits & How to Apply

Fleet Farm Credit Card offers exclusive rewards, discounts, and financing options for frequent shoppers. Whether you’re looking to save on gas, earn cashback on purchases, or enjoy special financing, this card provides multiple benefits tailored to Fleet Farm customers.

Issued by Citibank, it comes with flexible payment options, online account management, and promotional financing for large purchases. However, understanding its fees, interest rates, and eligibility criteria is essential before applying.

In this guide, we’ll cover everything you need to know about the Fleet Farm Credit Card, from application steps to maximizing rewards. Is it the right card for you? Let’s find out!

Types of Fleet Farm Credit Cards

The Fleet Farm Store Credit Card is designed for frequent shoppers at Fleet Farm locations. This card is issued by Citibank and can only be used at Fleet Farm stores and on their official website. It offers exclusive discounts, promotional financing options, and reward points for purchases made at Fleet Farm. Key features of this card include:

• Special financing on qualifying purchases
• Exclusive discounts and savings throughout the year
• Flexible payment options for cardholders
• No annual fee

While this card is beneficial for Fleet Farm shoppers, it is a closed-loop card, meaning it cannot be used outside of Fleet Farm stores.

2. Fleet Farm Visa Credit Card

The Fleet Farm Visa Credit Card offers greater flexibility as it can be used anywhere Visa is accepted. It comes with additional rewards and cashback options, making it a better choice for those who want more than just store-exclusive benefits. Features of the Fleet Farm Visa Credit Card include:

• Earn cashback rewards on all purchases
• Special financing options for large Fleet Farm purchases
• Gas rewards when fueling up at Fleet Farm gas stations
• Accepted anywhere Visa is used, providing more spending flexibility

This open-loop card is a great choice for those who shop frequently at Fleet Farm but also want a card that can be used for everyday purchases.

Choosing the Right Fleet Farm Credit Card

The best Fleet Farm credit card for you depends on your shopping habits and financial goals. If you mainly shop at Fleet Farm and want exclusive store discounts, the Fleet Farm Store Credit Card is ideal. However, if you prefer a card that offers rewards on all purchases and can be used anywhere, the Fleet Farm Visa Credit Card is the better option.

By understanding the differences between these cards, you can make an informed decision and maximize your benefits.

Benefits and Features

The Fleet Farm Credit Card offers a variety of features and benefits designed to enhance the shopping experience for customers. Whether you are looking for savings, financing options, or rewards, this card provides several perks that make it a valuable addition to your wallet.

1. Exclusive Discounts & Savings

One of the biggest benefits of owning a Fleet Farm Credit Card is access to exclusive cardholder discounts and promotions. Cardholders often receive:

• Special discounts on select products throughout the year
• Exclusive sales events for members only
• Early access to seasonal promotions and clearance sales

These offers help customers save money on their purchases, especially those who frequently shop at Fleet Farm for outdoor, automotive, and farm-related supplies.

2. Promotional Financing Options

Fleet Farm offers promotional financing plans, making it easier for customers to afford large purchases. Some of the key financing benefits include:

• 0% interest for a specific period on eligible purchases (if paid in full before the promotional period ends)
• Flexible payment plans to help budget large expenses
• Low-interest financing options after the promotional period ends

This benefit is particularly useful for those making big-ticket purchases, such as farm equipment, tools, or hunting gear.

3. Fleet Farm Rewards Program

With the Fleet Farm Visa Credit Card, customers can earn rewards on their purchases both inside and outside of Fleet Farm. Benefits of the rewards program include:

• Earn cashback on every purchase (varies by category)
• Bonus rewards for spending in specific product categories
• Redeem rewards for future Fleet Farm purchases

This feature allows customers to maximize their spending power and get additional savings over time.

4. Convenience & Easy Account Management

The Fleet Farm Credit Card is designed for hassle-free account management, allowing customers to:

• Make online payments through the Fleet Farm credit card portal
• Set up automatic payments to avoid missing due dates
• Track spending and view transaction history anytime
• Receive paperless billing for convenience

This makes it easy for cardholders to stay on top of their finances and avoid late payment fees.

5. No Annual Fee

Unlike some retail credit cards, the Fleet Farm Credit Card has no annual fee, making it a cost-effective choice for customers who want the benefits of a store card without extra costs.

6. Gas Rewards & Everyday Purchases (Fleet Farm Visa Card Only)

For customers who opt for the Fleet Farm Visa Credit Card, additional perks include:

• Gas discounts at Fleet Farm fuel stations
• Rewards on everyday purchases, such as groceries and dining
• Use anywhere Visa is accepted, providing more flexibility

This makes the Visa version a great all-purpose card for frequent shoppers and travelers.

Application Process

Applying for the Fleet Farm Credit Card is a straightforward process, whether you prefer to do it online or in-store. In this section, we will guide you through the eligibility requirements, step-by-step application process, approval criteria, and what to expect after approval.

1. Eligibility Requirements

Before applying, you need to meet basic eligibility criteria to qualify for a Fleet Farm Credit Card. These include:

• Age Requirement: Must be at least 18 years old (or the legal age in your state).
• U.S. Residency: Applicants must be legal residents of the United States.
• Valid Identification: Must provide a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
• Credit Score: Fleet Farm’s credit card issuer (Citi or Synchrony Bank, depending on the card type) typically requires a fair to good credit score (usually 600+ for approval).
• Steady Income: Must have a source of income to demonstrate repayment ability.

If you meet these requirements, you are eligible to apply for the Fleet Farm Credit Card.

2. How to Apply for the Fleet Farm Credit Card

There are two main ways to apply: Online and In-Store.

A. Online Application Process

Applying online is the fastest and most convenient method. Here’s how:

1. Visit the Official Website
   • Go to the Fleet Farm Credit Card application page on the issuer’s website.
2. Select the Type of Card
   • Choose between the Fleet Farm Store Credit Card (for in-store use only) or the Fleet Farm Visa Credit Card (for use anywhere Visa is accepted).
3. Fill Out the Application Form
   • Provide personal details, including:
     • Full name
     • Date of birth
     • Social Security Number (SSN)
     • Contact information (address, phone number, email)
   • Provide financial details, including:
     • Employment status
     • Annual income
     • Housing status (rent, own, or live with family)
4. Review and Submit
   • Double-check your information for accuracy.
   • Read the terms and conditions before submitting.
   • Click “Submit” to finalize your application.
5. Receive Instant Decision or Further Review
   • Some applicants receive an instant decision within seconds.
   • Others may need to wait a few business days if additional verification is required.

B. In-Store Application Process

If you prefer to apply in person, follow these steps:

1. Visit a Fleet Farm Store
   • Go to any Fleet Farm location and visit the customer service desk.
2. Request a Credit Card Application
   • Ask a store representative for a Fleet Farm Credit Card application form.
3. Fill Out the Application
   • Provide personal and financial information, similar to the online application.
4. Submit Your Application
   • Hand your completed form to the store associate.
   • They may provide an instant decision or notify you later via email/mail.

3. Approval Criteria & Credit Score Requirements

Your application will be evaluated based on:

• Credit Score: A score of 600+ (Fair to Good Credit) improves approval chances.
• Debt-to-Income Ratio (DTI): A low DTI ratio (low debt compared to income) increases eligibility.
• Credit History: A strong history of on-time payments boosts approval odds.
• Income Stability: Proof of consistent income supports creditworthiness.

If you have a lower credit score, you may still be approved, but with a lower credit limit or higher interest rates.

4. What Happens After You Apply?

Once your application is submitted:

• Instant Approval (if qualified) → You will receive your credit limit and account details.
• Further Review → You may need to wait 7-10 business days for a decision.
• Denial → If denied, you will receive an adverse action letter explaining the reasons.

If approved, expect your Fleet Farm Credit Card to arrive in the mail within 7-14 days.

Account Management

1. Setting Up Online and Mobile Access

Managing your Fleet Farm Credit Card is easiest through the online portal and mobile app (if available through Citi or Synchrony Bank). Here’s how to set up your account:

A. Registering for Online Access

1. Visit the Credit Card Issuer’s Website
   • Go to the official Citi or Synchrony Bank website (depending on your card issuer).
2. Click on “Register” or “Enroll”
   • Enter your credit card number, ZIP code, and last four digits of your Social Security Number (SSN).
3. Create a Username and Password
   • Choose a secure login to protect your account.
4. Set Up Security Questions
   • Provide answers to security questions to recover your account if needed.
5. Confirm and Log In
   • Once registered, log in to manage payments, track spending, and access statements.

B. Using the Mobile App (If Available)

• Some Fleet Farm Credit Cards may offer a mobile banking app through Citi or Synchrony.
• Download the app from the Google Play Store or Apple App Store.
• Log in with your online account credentials.
• Use the app to check balances, make payments, and receive notifications.

2. Payment Options

To keep your account in good standing and avoid late fees, it’s crucial to make on-time payments. Here are your options:

A. Online Payments

• Log into the credit card portal.
• Select “Make a Payment”.
• Enter your bank account details.
• Choose a payment date and amount.
• Click “Submit” and receive a confirmation.

B. Automatic Payments (AutoPay)

• Set up recurring payments to avoid missing due dates.
• Choose to pay the minimum, statement balance, or a fixed amount.
• AutoPay ensures on-time payments and protects your credit score.

C. In-Store Payments

• Visit a Fleet Farm store and pay at the customer service desk.
• Payments may take 1-2 business days to reflect on your account.

D. Phone Payments

• Call the customer service number on the back of your card.
• Provide your card details and payment amount.
• Note: Some issuers may charge a phone payment fee.

E. Mail Payments

• Mail a check or money order to the issuer’s payment address (found on your statement).
• Ensure you send the payment at least 7 days before the due date to avoid delays.

3. Understanding Your Billing Cycle

Your Fleet Farm Credit Card follows a monthly billing cycle, and understanding how it works helps you avoid late fees and interest charges.

• Statement Date: The day your monthly statement is generated.
• Payment Due Date: Typically 21-25 days after your statement date.
• Grace Period: If you pay your full balance by the due date, you avoid interest charges.
• Interest Charges: If you carry a balance, interest is applied based on your Annual Percentage Rate (APR).

Tip: Set a reminder for your due date or enable alerts to avoid missing payments.

4. Setting Up Alerts and Notifications

To stay on top of your account, enable alerts via email, SMS, or app notifications:

✅ Payment Reminders – Get notified before your due date.
✅ Transaction Alerts – Receive alerts for purchases over a set amount.
✅ Fraud Alerts – Get notified of suspicious transactions.
✅ Low Balance Alerts – If your available credit drops below a certain threshold.

These notifications help you monitor your spending and avoid missed payments.

5. Managing Credit Limit and Usage

Proper credit utilization impacts your credit score. Follow these best practices:

✔ Keep Credit Utilization Below 30% – If your limit is $1,000, try not to exceed $300 in outstanding balances.
✔ Request a Credit Limit Increase – If you maintain on-time payments, you may qualify for a higher limit.
✔ Avoid Maxing Out Your Card – High balances can lower your credit score.

6. Handling Disputes and Fraud Protection

If you notice unauthorized transactions, take immediate action:

1. Report Fraudulent Charges
   • Contact the credit card issuer immediately.
   • Your bank may freeze your account and issue a new card.
2. Dispute Incorrect Charges
   • If you find a billing error, submit a dispute claim online or via phone.
   • Your issuer will investigate the charge and issue a refund if necessary.

Fees and Interest Rates

1. Annual Percentage Rate (APR)

The APR determines how much interest you’ll pay if you carry a balance on your Fleet Farm Credit Card. Here’s a breakdown:

• Purchase APR: Typically ranges from 26.99% – 29.99% (variable APR), depending on market conditions.
• Cash Advance APR: Often higher than the purchase APR, usually around 29.99% or more.
• Penalty APR: If you miss payments, a higher APR (up to 30.99%) may apply.

💡 Tip: Avoid interest by paying off your full balance within the grace period.

2. Annual Fee

✅ No Annual Fee – The Fleet Farm Credit Card does not charge an annual fee, making it a cost-effective option for loyal Fleet Farm shoppers.

3. Late Payment and Penalty Fees

To maintain a good credit standing, it’s important to avoid late payments. Here’s what to expect if you miss a due date:

• Late Payment Fee: Up to $40, depending on your balance.
• Returned Payment Fee: Up to $40 if a payment is declined or bounced.
• Penalty APR: A higher interest rate may be applied if you repeatedly miss payments.

💡 Tip: Set up AutoPay or reminders to avoid late fees.

4. Cash Advance Fees

If you use your Fleet Farm Credit Card to withdraw cash, expect high fees:

• Cash Advance Fee: Either 5% of the amount or a minimum of $10, whichever is greater.
• No Grace Period on Cash Advances – Interest starts immediately when you withdraw cash.

💡 Tip: Avoid cash advances unless absolutely necessary due to high fees and immediate interest charges.

5. Foreign Transaction Fees

❌ Not for International Use – The Fleet Farm Credit Card cannot be used outside the U.S., meaning there are no foreign transaction fees.

6. Minimum Payment Requirement

Each billing cycle, you must make a minimum payment to avoid late fees. The minimum payment is:

• $30 or 1% of your balance, whichever is greater.
• If you have interest or past-due fees, those amounts will also be added.

💡 Tip: Always try to pay more than the minimum to reduce interest charges.

Managing Rewards

1. Earning Rewards

With the Fleet Farm Credit Card, users can earn reward points or cashback based on their purchases:

• Exclusive Discounts & Offers – Special cardholder-only promotions and discounts at Fleet Farm stores.
• Fuel Rewards – Some versions of the card may offer savings on fuel purchases at participating gas stations.
• Seasonal Bonuses – Occasional limited-time offers provide additional savings or rewards.

💡 Tip: Use your card for all Fleet Farm purchases to maximize rewards!

2. Redeeming Rewards

Rewards earned can be redeemed in various ways, including:

• Fleet Farm Gift Cards – Rewards may be converted into Fleet Farm store credits.
• Discounts on Future Purchases – Use rewards directly at checkout to lower costs.
• Special Promotions – Some rewards may be tied to specific products or services.

💡 Tip: Check your Fleet Farm online account regularly for available rewards and redemption options.

3. Tracking and Managing Rewards

To stay on top of your rewards:

✅ Log into your online account to view earned rewards.
✅ Sign up for email notifications to receive updates on new rewards and special promotions.
✅ Keep track of expiration dates, as some rewards may have limited validity.

💡 Tip: Plan large purchases around reward promotions to maximize savings!

Customer Service and Support

1. Contacting Customer Support

Fleet Farm provides several ways to reach their credit card customer service:

📞 Phone Support: Call the customer service helpline for assistance with payments, disputes, and account inquiries. The exact number can be found on your billing statement or Fleet Farm’s website.

💻 Online Support: Log in to your Fleet Farm credit card account online to manage payments, check balances, and send secure messages for inquiries.

✉️ Mail Correspondence: For formal requests or disputes, you can send mail to the bank issuing the credit card (e.g., Synchrony Bank or Fleet Farm’s partnered financial institution).

2. Common Customer Service Issues & Solutions

✅ Payment Issues: If you’re unable to make a payment online, customer support can help process payments via phone.

✅ Lost/Stolen Card: Report lost or stolen cards immediately to prevent unauthorized charges and request a replacement.

✅ Billing Disputes: If there’s an incorrect charge on your account, customer service can guide you through filing a dispute.

✅ Account Updates: Need to change your address, contact details, or banking information? Support agents can help update your account details.

Pros and Cons

Pros ✅	Cons ❌

Exclusive Discounts – Cardholders get special promotions and discounts at Fleet Farm stores.

Limited Usability – The card can only be used at Fleet Farm locations and not elsewhere.

Reward Points – Earn rewards on purchases that can be redeemed for discounts.

High Interest Rates – APR can be higher than standard credit cards, especially for revolving balances.

Flexible Financing Options – Special 0% financing offers on qualifying purchases.

No Major Perks – Lacks travel rewards, cash-back incentives, or sign-up bonuses.

Online Account Management – Easily track transactions, make payments, and set alerts via the online portal.

Late Payment Fees – Missing payments may result in high penalty fees and interest charges.

No Annual Fee – Enjoy benefits without having to pay an annual membership fee.

Approval Depends on Credit Score – Applicants with low credit scores may find approval challenging.

FAQs

Conclusion

The Fleet Farm Credit Card is a solid option for loyal Fleet Farm shoppers who want exclusive discounts, rewards, and special financing offers. With no annual fee and convenient online account management, it provides ease of use.

However, its limited usability (only at Fleet Farm) and high-interest rates may not be ideal for everyone. Before applying, consider your shopping habits and financial needs to determine if this card is the right fit.