Heading to Ponderosa? Don't Forget Your Nissan Card

Steph Willems
by Steph Willems
heading to ponderosa don t forget your nissan card

If supermarkets, gasoline retailers and a slew of other automakers can offer branded credit cards, why not Nissan?

The Japanese automaker most closely associated with the word “value” is throwing a perk at its customer base, rolling out a consumer credit card program to turn those fuel and meal purchases into real Nissan cents.

The Nissan Visa card, offered through Synchrony Financial, allows dedicated brand loyalists (with good credit) to collect points towards a new or pre-owned Nissan vehicle, or servicing. While some owners might entertain thoughts of gassing and eating their way into a new Armada, the card’s other features are probably a bigger draw. The fine print, however, might prove less tempting.

Cardholders can expect roadside assistance, auto rental collision damage waiver, as well as travel and emergency assistance services. Should they prefer to steer clear of Nissan dealers, the rewards points are redeemable as statement credit — maxing out at $300 a year.

According to the lender, each rewards point amounts to a shiny penny within the confines of a dealership. The program allots five points for each dollar spend on Nissan products, servicing and gas, or three points for ever buck dropped on food. All other purchases are good for one point to the dollar.

Getting into the finer details, it seems only diehard Nissan fan would happily agree to the terms of the card. Fees and interest rates fall on the high side. APR for purchases is, depending on your account type, prime rate plus 13.99 percent, or prime plus 19.99 percent. Cash advances for either account type equals prime plus 21.99 percent, plus transaction fees of $10 or 4 percent of the amount, whichever is higher. Synchrony lists late payment penalty fees as “up to $38.”

So, if you’re in the habit of paying off your balance each month and love the thought of a slight discount when servicing your fifth Nissan, your favorite automaker has just the card for you.

[Images: Nissan]

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2 of 10 comments
  • Deanst Deanst on May 04, 2017

    I used $3500 in points on a $10,000 Saturn and financed the rest at 0.9%. Hard to believe GM made any profit on that sale! I remember GM Canada made the points card a lot less attractive shortly thereafter. I think they assumed people would get a more expensive car with the points, but thrifty Canadians just used the points to make the car cheaper.

  • Truckducken Truckducken on May 04, 2017

    Nissan buyers qualifying for a credit card? The whole idea is preposterous.

  • SCE to AUX This is not a race worth winning.
  • JMII These would sell better if they came with a service to drop it off (with new tires and brakes) at which ever track you decided to visit per weekend. While its small it still doesn't fit on a private jet and there aren't many tracks close to where your yacht can be docked. 1st world problems here.
  • JMII Its an SUV so I am shocked they don't already offer it.
  • Analoggrotto As we Tesla owners receive our life energy from the greatest son of the gods of all time, Elon Musk; His cherubs and His nephilim may remove whatever they wish from us for unto him we owe all for our superiority above all the rest of humanity.
  • Kcflyer Nice to see California giving NY some competition to be the worst run state in the union.