4 Wheel Parts Credit Card

Synchrony Pending

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5

Benefits

1

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: 4-wheel-parts-credit-card

Issuer: Synchrony

Card Name: 4 Wheel Parts Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:26

Last Scraped: Feb 13, 2026 05:45

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
4 Wheel Parts Purchases 5x Cash Back Purchases made at 4 Wheel Parts No Cap
Rewards Summary
PENDING

Quarterly Rotating: No

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

The 4 Wheel Parts Credit Card has no annual fee, allowing cardholders to save money each year.

Lifestyle 1
Online Account Management
Online access and management

Conveniently manage your 4 Wheel Parts Credit Card account online, including viewing statements, making payments, and updating personal information.

Security 1
$0 Fraud Liability
$0 liability for unauthorized charges

Cardholders are protected against unauthorized purchases made on their 4 Wheel Parts Credit Card account with $0 fraud liability.

Shopping 2
Special Financing Offers
Promotional financing

Access to special financing promotions on qualifying purchases made with the 4 Wheel Parts Credit Card. Offers are subject to credit approval and minimum monthly payments are required.

Exclusive Cardholder Offers
Exclusive discounts and promotions

Cardholders receive access to exclusive discounts, promotions, and special offers from 4 Wheel Parts.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 31.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments are required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Supported
Application Process
Available
Available
TransUnion, Experian
Issuer Rules & Policies
PENDING

Rules: The 4-Wheel Parts Credit Card, issued by Synchrony, primarily offers special financing options for purchases made at 4 Wheel Parts stores or online. Eligibility requirements typically include being at least 18 years old, a U.S. resident with a valid Social Security Number or ITIN, and possessing a fair to good credit history. Applicants should not have recent bankruptcies or excessive delinquencies. The card's main benefit is deferred interest financing on qualifying purchases, meaning if the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date. There are generally no traditional sign-up bonuses (e.g., 'spend X get Y points') but rather ongoing promotional financing offers and potential exclusive cardholder discounts.

Max Cards Per Issuer: 6

Min Spend Interval: Not applicable for traditional sign-up bonuses. Special financing offers typically range from 6 to 24 months, requiring the promotional balance to be paid in full within that period to avoid deferred interest.

Shutdown Risk Triggers: Common triggers for account shutdown or adverse action by Synchrony include: missed payments or severe delinquencies, frequent exceeding of credit limits, suspected fraudulent activity, bankruptcy filings, rapid accumulation of multiple Synchrony accounts with high cumulative credit limits, and abuse of promotional financing terms.

Cliff Effect Rules: Synchrony store cards generally operate independently. There are no specific 'family rules' or 'cliff effects' tied to holding multiple Synchrony store cards, unlike some other issuers. However, Synchrony does consider an applicant's overall credit exposure and existing credit relationships with them when evaluating new applications.

Special Events: Cardholders can expect exclusive discounts, early access to sales events, and enhanced special financing promotions tied to specific product launches, seasonal sales, or store-wide promotions at 4 Wheel Parts.

Holiday Promos: Enhanced special financing offers or additional discounts are typically available during major shopping holidays such as Black Friday, Cyber Monday, Memorial Day, Labor Day, and year-end sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Card offers special financing for large purchases, no annual fee, and is relatively easy to get approved for, especially for those with fair credit looking to finance auto parts.

Top Negative:
High interest rates after promotional periods, customer service can be challenging, and the card's utility is limited to 4 Wheel Parts stores only.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Discover it® Secured Credit Card
  • Amazon Store Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0