4 Wheel Parts Credit Card
Basic Information
Program ID: 4-wheel-parts-credit-card
Issuer: Synchrony
Card Type: Credit
Network: N/A
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:26
Last Scraped: 01/15/2026 09:56
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts within 1-2 billing cycles after the spend requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on 4 Wheel Parts purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: The 4 Wheel Parts Credit Card, issued by Synchrony Bank, is a store-specific financing tool. Application rules typically involve submitting an application online via 4wheelparts.com or in-store at any 4 Wheel Parts location. Eligibility requirements for applicants include being at least 18 years of age (19 in AL and NE), a U.S. resident with a valid Social Security Number or ITIN, and meeting Synchrony Bank's creditworthiness criteria. A fair to good credit score is generally recommended for approval. The primary 'bonus rule' for this card is access to special promotional financing offers, such as 'No Interest if Paid in Full' for a specified period (e.g., 6, 12, 18 months) on qualifying purchases above a minimum threshold. It's crucial to pay the full promotional balance by the end of the period to avoid deferred interest being charged from the original purchase date. This card does not typically offer traditional sign-up bonuses like cash back or points.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional bonus spend; promotional financing periods vary (e.g., 6, 12, 18 months).
Shutdown Risk Triggers: Common triggers for account shutdown or adverse action by Synchrony Bank include: delinquency (missed or late payments on any Synchrony account), consistently high credit utilization, prolonged account inactivity, abuse of promotional financing terms (e.g., repeatedly failing to pay off deferred interest promotions), opening numerous Synchrony accounts in a short timeframe, significant negative changes to the cardholder's credit report (e.g., bankruptcy, foreclosure), or suspected fraudulent activity.
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User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Special financing offers are useful for large purchases; helps manage expenses for vehicle upgrades.
Top Negative Feedback:
High APR outside of promotional periods; limited use outside 4 Wheel Parts; customer service can be challenging.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne
- Discover it Secured
- Pep Boys Synchrony Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $30.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0