THE CARDTUNED DATABASE
The Toro Company Credit Card
Issuer: Synchrony
No ongoing rewards program; value is Toro promotional equipment financing.
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — closed-loop/participating-dealer account
- Intro APR
- Through 2026-10-31: deferred interest for 6 months on $199+ or 12/18 months on $500+; 0% equal payments for 12 months on $1,000+ or 24 months on $3,000+
- Regular APR
- 34.99% purchase APR; 39.99% penalty APR; $2 minimum interest charge
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Through 2026-10-31: deferred interest for 6/12/18 months or 0% equal payments for 12/24 months
- Spending requirement
- $199+ to $3,000+, depending on term
- Time window
- 6, 12, 18 or 24 months
- Published end date
- 2026-10-31
Offer last checked: 2026-09-09
Additional benefits
• Six-month deferred interest on qualifying $199+ purchases
• Twelve- or 18-month deferred interest on qualifying $500+ purchases
• 0% APR for 12 months with equal payments on $1,000+
• 0% APR for 24 months with equal payments on $3,000+
• Financing for eligible Toro products and services
Restrictions to know
Current campaigns run August 1–October 31, 2026 and require qualifying single-receipt purchases. The 24-month $3,000+ equal-payment offer charges a $150 promotional fee. Deferred-interest offers charge interest from purchase date if not paid in full.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff