What Is Country Home Products?
If you have shopped for a chipper, brush mower, or trimmer, you may have come across Country Home Products, the original maker of DR Power Equipment. DR Power is now part of Generac and sells outdoor power tools for property owners directly at drpower.com.
From field and brush mowers to leaf vacuums and log splitters, DR Power gear is built for bigger jobs, and that power carries a real price. To help spread out the cost, the company offers financing through a co-branded credit card. This review explains exactly how that card works as of June 2026, the verified APR and fees, the promotional plans, and who should think twice before applying.
Key Facts at a Glance
| Issuer | Synchrony Bank |
| Network | Store-only (closed-loop), usable for DR Power and Generac purchases |
| Annual fee | $0 |
| Purchase APR | 34.99% |
| Penalty APR | 39.99% (can apply indefinitely after a late payment) |
| Promo financing | 0% for 36 months on $799+ (2% promo fee); 0% for 12 months on $299 to $799 |
| Rewards | None |
| Welcome bonus | None |
| Other fees | Paper statement $1.99/mo; late and returned payment up to $41; $2.00 minimum interest |
| Credit limit | Typically a few hundred to a couple thousand dollars (reported) |
| Credit score | Often approves fair credit, roughly 640+ (reported) |
| Reports to | Experian, TransUnion, Equifax |
Who Issues the Card and What It Costs
DR Power financing runs on the DR Power (a Generac company) credit card, issued and serviced by Synchrony Bank. There is no separate DR Power lender. This is a store-only, closed-loop card: it works for DR Power and Generac purchases, not as a general-purpose card. If you have used other Synchrony products like Synchrony Car Care, the structure will feel familiar.
From the cardholder agreement and pricing addendum, as of June 2026:
- Purchase APR: 34.99%
- Penalty APR: 39.99%, which can apply after a late payment and may stay in effect indefinitely
- Annual fee: none
- Monthly maintenance fee: none
- Paper statement fee: $1.99 per month (avoid it by going paperless)
- Late payment fee: up to $41
- Returned payment fee: up to $41
- Minimum interest charge: $2.00
The card earns no rewards and carries no welcome bonus. That 34.99% standard rate is the single most important number on it. It only stays out of your way if you clear the financed balance during a promotional plan. Understanding what APR means is the difference between a free loan and an expensive one here.
The DR Power Promotional Financing Plans
The reason most people open this card is the 0% promotional financing on equipment. As of June 2026, DR Power advertises:
- Purchases of $799 or more: 0% interest for 36 months with equal monthly payments. A promo fee of 2% of the amount financed is added and spread across those payments.
- Purchases of $299 to $799: 0% interest for 12 months with equal monthly payments and no promo fee.
These are equal-payment plans, not deferred-interest plans, so as long as you make every scheduled payment, the balance is paid off with no interest at the standard rate. The 2% promo fee on the 36-month plan is effectively a small financing cost, so on a $1,000 purchase that is about $20 spread across the term. Plan length and exact terms are set at checkout, so confirm them before you buy. Knowing the difference between revolving credit and installment credit helps you see why these fixed-payment plans behave differently from a normal card balance.
Approval, Limits, and Who Should Skip It
As a Synchrony store card, this one is generally easier to qualify for than a premium rewards card. Reported approvals often include fair credit (roughly 640 and up), Synchrony runs a hard inquiry when you apply, and the card reports to all three major bureaus. Synchrony does not publish a fixed credit limit; reported starting limits are typically modest, ranging from a few hundred to a couple thousand dollars, often sized to the purchase you finance.
Where it shines: if you are buying one DR Power machine and can commit to the equal monthly payments, the 0% plans let you keep your cash while paying no interest. For a planned $799-plus purchase you will pay off on schedule, that is a genuinely good deal.
Where it bites: the card only works for DR Power and Generac purchases, so it does nothing for fuel, parts, or gear from other suppliers. And if a balance lingers past the promo, or you miss a payment and trigger the 39.99% penalty APR, the cost climbs quickly.
Skip it if you are not confident you can make every payment on time, or you would rather have buying power that works everywhere. To stay safe with the plan, divide the purchase by the number of promo months, pay at least that each month, and set reminders.
A Card You Can Use Anywhere
Because the DR Power card is locked to one brand, many buyers keep a general-purpose card alongside it for fuel, parts, accessories, and the rest of a project that crosses suppliers, while also building credit that lenders check.
If your credit is still growing and you want flexibility a store card cannot offer, the Aspire Cash Back Rewards Mastercard is an unsecured option that earns up to 3% cash back and reports to the major bureaus. It works anywhere Mastercard is accepted, so you can fund a whole outdoor project, not just the machine. Terms and conditions apply, and APRs vary by creditworthiness.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
If You Are Building Credit Before a Big Purchase
If your score has room to grow, you may not qualify for the best promotional financing yet, and a few months of steady history can change that. The Self Visa Credit Card pairs a credit-builder account with a secured card and reports to all three bureaus, which is a deliberate, lower-risk way to strengthen your profile before you take on equipment financing. Reaching a good credit score first often unlocks better promo terms.
Frequently Asked Questions
Who issues the DR Power credit card?
The DR Power (a Generac company) credit card is issued and serviced by Synchrony Bank. It is a store-only card usable for DR Power and Generac purchases. Per the cardholder agreement, the purchase APR is 34.99% and the penalty APR is 39.99%, with a $1.99 monthly paper statement fee and late or returned payment fees up to $41.
Does DR Power offer 0% financing?
Yes. As of June 2026, DR Power advertises 0% interest for 36 months on purchases of $799 or more (with a 2% promo fee) and 0% interest for 12 months on purchases of $299 to $799 (no promo fee), both as equal-payment plans. Confirm the exact plan at checkout.
What credit score do you need for the DR Power card?
As a Synchrony store card, it is generally more accessible than premium cards, and reported approvals often include fair credit around 640 and up. Synchrony does not publish a fixed credit limit; reported starting limits are typically modest. The card reports to all three bureaus.
Is a general credit card better than DR Power financing?
It depends. The DR Power 0% plans are a strong deal on a single machine you will pay off on time, but the card only works for DR Power and Generac. A general-purpose card works anywhere and helps build credit. Compare the total cost and your ability to pay it off in time.
