76® Credit Card

Synchrony Mastercard Pending

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5

Benefits

0

Reward Categories

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Max Reward

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Basic Information
PENDING

Program ID: 76-credit-card

Issuer: Synchrony

Card Name: 76® Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 06:24

Last Scraped: Feb 16, 2026 06:27

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible active duty Servicemembers may qualify for benefits under the Servicemembers Civil Relief Act (SCRA). Call 1-866-419-2995 for more information.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Convenience 2
Wide Acceptance Network
76, Conoco, Phillips 66, Circle K

The 76 credit card is accepted at 76, Conoco, Phillips 66, and Circle K fuel stations.

Online Account Management
Online access

Cardholders can conveniently manage their account online, including viewing statements, making payments, and monitoring activity.

Financial 1
No Annual Fee
$0

There is no annual fee charged for maintaining the 76 credit card account.

Security 1
Fraud Protection
Protection against unauthorized charges

The card provides protection against unauthorized charges, helping to safeguard cardholders from fraudulent activity.

Shopping 1
Fuel Savings
10¢ per gallon

Cardholders receive a discount of 10 cents per gallon on every fuel purchase made with the 76 credit card.

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
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The 76-credit-card, issued by Synchrony, is a store-specific credit card primarily for use at 76-branded locations. Eligibility requires applicants to be 18 years or older (19 in AL/NE), a U.S. resident with a valid SSN or ITIN, and meet Synchrony Bank's credit underwriting criteria, which typically favors applicants with fair to good credit. Applicants should also not have an excessive number of existing Synchrony accounts or a high cumulative credit exposure with the issuer. New cardholders in 2026 are projected to receive a 15% discount on their first purchase made within 30 days of account opening, up to a maximum discount of $100, or access to special financing offers (e.g., 0% APR for 6-12 months on qualifying purchases) at the point of sale. Application is primarily online or in-store, and approval is subject to Synchrony's credit assessment. Store-specific restrictions apply to the use of promotional offers, financing terms, and rewards redemption.

Max Cards Per Issuer: 6

Min Spend Interval: Immediate for first purchase discount; 3 months for any potential spend-based bonus offers.

Shutdown Risk Triggers: Manufactured spending (less common for store cards but still a general trigger), high cumulative credit limit across all Synchrony accounts, excessive credit seeking (multiple applications in a short period), late payments or defaults on any Synchrony account, suspicious or fraudulent activity, significant changes in financial stability (e.g., bankruptcy), and violation of cardholder agreement terms.

Cliff Effect Rules: Synchrony does not enforce a strict 'card family' rule like some major issuers. However, they rigorously monitor total credit exposure across all Synchrony-issued accounts. Applying for too many Synchrony cards or accumulating a very high cumulative credit limit with Synchrony can lead to application denials or account closures, even if individual accounts are in good standing. This is an internal credit exposure management policy rather than a publicly stated 'rule' for specific card families.

Special Events: Typical store card special events include exclusive cardholder-only sales, early access to promotions, and enhanced rewards or discounts during specific product launches or seasonal clearance events.

Holiday Promos: Common holiday promotion periods include Black Friday/Cyber Monday (November-December), Memorial Day (May), Fourth of July (July), Labor Day (September), and various seasonal sales (e.g., Spring, Back-to-School).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Convenient for regular 76 gas purchases, offers fuel savings, and relatively easy to obtain for brand loyalists.

Top Negative:
Limited utility outside 76 stations, high APR if not paid in full, and rewards may not be competitive with general-purpose cards.

Approval Experience: 78.0 / 100

Recommended Alternatives
  • ExxonMobil SmartPass+ Credit Card
  • Shell Fuel Rewards Card
  • Citi Custom Cash Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $60.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023