Give your outdoor spaces the love they deserve

Make the plans for your yard a reality. Create your ideal outdoor spaces with the Cutting Edge credit card by financing the power equipment you need.*

Apply See if you prequalify

Get it done, pay over time

Special financing available


Promotional financing offers available at the time of purchase may vary by location. See a store that accepts the card for details.*

Accepted across a wide range of dealers


To help you purchase outdoor power equipment, products, accessories, and services—new and used.

It’s safe and secure


With $0 fraud liability and no annual fee.1

Fill your outdoor power needs using the Cutting Edge credit card

  • Mowers
  • Compact tractors
  • Pressure washers
  • Attachments
  • Generators
  • Handhelds
  • And more!

Explore merchants

You’ve got nationwide location options with the Cutting Edge credit card. Take a look at some of the merchants where the card is accepted.

View merchant locations

Finance outdoor power equipment with Synchrony Secured Installment Loans

Synchrony offers secured installment loans for larger lawn and garden purchases in addition to the Cutting Edge credit card. For more information, ask your local dealer today!

 

Already a loan holder? Make a same-day payment or schedule a payment up to 30 days in advanced by logging onto the online payment portal.

 

To help simplify the payment process even more, enroll in autopay by calling your Secured Installment Loan Customer Service number (1-866-220-9432).

Pay online

Manage, shop and access everything in one place

Download the free MySynchrony Mobile App today to make your day-to-day a little easier.

MySynchrony App Download on the App Store MySynchrony App Get it on Google Play

FAQ

Have questions? We have answers.

What are the Cutting Edge credit card benefits?
  • No annual fee1
  • Safe and Secure with $0 fraud liability
  • Ability to request a credit limit increase2
  • Convenient monthly payments
  • 24/7 secure account access
  • Customizable account alerts
How do I change my personal information (email address, address, etc.)?

To change your address, email address, phone number, or personal information on your account, please visit www.synchrony.com.

What if I have account management questions?

Cutting Edge credit cardholders can manage their account online by registering / logging in to chat with us (chat is unavailable in Internet Explorer) if you need additional account assistance. You may also call 1-800-250-5411 to speak to a customer service representative.

Can I schedule multiple payments?

You can schedule up to 12 future payments, including the date you want the payment to post to your account and the amount. You can also vary the amount, date and payment source for each payment.

Ready to get started

Manage your outdoor power equipment expenses with the Cutting Edge credit card. See if you prequalify and get a decision in seconds with no impact to your credit bureau score.

See if you prequalify Apply

Are you a small business owner? Click here to learn the benefits and enroll in the Cutting Edge credit card program.

*Subject to credit approval.

 

1New Accounts as of 7/31/25 : Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms.

 

2You may be required to provide your annual net income if we do not have your recent information on file. Your income will be used as a factor to determine eligibility for a credit line increase.

 

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