AAMCO Synchrony Car Care™ credit card
Basic Information
Program ID: aamco-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 18:01
Last Scraped: 01/15/2026 18:02
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
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: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No sign-up bonus or welcome offer is currently advertised for the AAMCO Credit Card on the provided financing page.
Rewards Program
Reward Type: No Traditional Rewards (Financing Card)
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - The AAMCO credit card, issued by Synchrony, primarily offers special financing options for services and purchases made at participating AAMCO locations. It does not feature a traditional points, miles, or cashback rewards program.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - No traditional rewards points to expire.
Transfer Partners: N/A - No transfer partners.
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: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: The AAMCO Credit Card, issued by Synchrony, primarily offers special promotional financing options (e.g., 0% APR for X months) on qualifying AAMCO purchases, rather than traditional sign-up bonuses. Specific offers vary and are subject to minimum purchase amounts and terms. Eligibility requirements include being 18 years or older, a US resident with a valid SSN or ITIN, and having a steady income. Approval is subject to creditworthiness, typically requiring fair to good credit history.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A for traditional bonus spend; promotional financing terms apply to specific qualifying purchases made within the promotional period.
Shutdown Risk Triggers: Missed payments, high credit utilization across Synchrony accounts, suspected fraudulent activity, bankruptcy filings, rapid accumulation of new credit, or significant changes in credit profile. For a store card, unusual spending patterns inconsistent with AAMCO services could also be a flag.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Provides essential financing for unexpected auto repairs; quick and easy application process; useful for managing large, unplanned expenses with promotional offers.
Top Negative Feedback:
High interest rates if promotional periods are missed; limited utility as it's only accepted at AAMCO; customer service can be challenging.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Discover it Cash Back
- Synchrony Car Care™ Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v2024-05