0
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: No Traditional Rewards (Financing Card)
Base Rate: 0x
Bonus Rate: 0x
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.
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: N/A - No traditional rewards points to expire.
Point Value: 0¢
Travel Portal Multiplier: 0x
Transfer Partners: N/A - No transfer partners.
Redemption Penalties: N/A - No traditional rewards to redeem.
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
Benefits Summary (Flags)
PENDINGExtended 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
PENDING$0
Cash BackRequirement: Spend $0 in 0 days
Timing: No sign-up bonus or welcome offer is currently advertised for the AAMCO Credit Card on the provided financing page.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 0%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: 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.
Max Cards Per Issuer: 5
Min Spend Interval: N/A for traditional bonus spend; promotional financing terms apply to specific qualifying purchases made within the promotional period.
Cliff Effect Rules: Not applicable. This is a store-specific credit card and does not typically have complex card family rules or benefit tiers that are affected by other Synchrony products.
Special Events: Seasonal auto maintenance promotions (e.g., winterization, summer check-ups), specific service discounts, or exclusive financing offers tied to AAMCO service packages.
Holiday Promos: Less about traditional holidays, more about seasonal auto care needs (e.g., pre-winter tire/battery checks, spring tune-ups) or specific AAMCO national promotions.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Provides essential financing for unexpected auto repairs; quick and easy application process; useful for managing large, unplanned expenses with promotional offers.
Top Negative:
High interest rates if promotional periods are missed; limited utility as it's only accepted at AAMCO; customer service can be challenging.
Approval Experience: 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
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v2024-05