Synchrony Car Care™ credit card

Synchrony Pending

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8

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: american-car-care-centers-credit-card

Issuer: Synchrony

Card Name: Synchrony Car Care™ credit card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 06:46

Last Scraped: Feb 16, 2026 06:48

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers SCRA benefits for eligible active duty military personnel and spouses, including a 0% APR on balances for accounts opened prior to active duty and waiver of certain fees.

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 8 Total
PENDING
Account Management 1
Online Account Management

Cardholders can manage their account online, including viewing statements, making payments, and updating personal information.

Financial 1
No Annual Fee
No annual fee

The Synchrony Car Care™ credit card does not charge an annual fee, saving cardholders money each year.

Financing 2
Special Financing on Qualifying Purchases
On purchases of $199 or more

Cardholders can take advantage of special financing options on purchases of $199 or more made with the Synchrony Car Care™ credit card. Specific terms and duration of financing may vary.

Convenient Monthly Payments

Cardholders can manage their budget with convenient monthly payments for their purchases.

Shopping 4
Nationwide Gas Station Acceptance
Accepted nationwide

The Synchrony Car Care™ credit card is accepted at gas stations nationwide, providing convenience for fuel purchases.

Auto Parts and Service Business Acceptance
Accepted at thousands of locations

The Synchrony Car Care™ credit card is accepted at thousands of auto parts and service businesses across the country.

Tire Store Acceptance
Accepted at tire stores

The Synchrony Car Care™ credit card is accepted at tire stores, making it convenient for tire purchases and services.

Car Wash Acceptance
Accepted at car washes

The Synchrony Car Care™ credit card is accepted at car washes, allowing for easy payment for vehicle cleaning services.

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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Deferred Interest if Paid in Full by the End of the Promotional Period: If you do not pay the promotional balance in full by the end of the promotional period, interest will be imposed from the date of purchase at the APR for Purchases.
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: Eligibility for the American Car Care Centers Credit Card requires applicants to be at least 18 years old, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and be a U.S. resident. Approval is subject to Synchrony Bank's credit underwriting standards. This card primarily offers promotional financing options (e.g., deferred interest or 0% APR for a specified period on qualifying purchases) rather than traditional sign-up bonuses. Specific promotional offers are dynamic and typically advertised at the point of sale or through cardholder communications. The card is exclusively for purchases made at participating American Car Care Centers locations.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable; this card primarily offers promotional financing rather than a traditional sign-up bonus with a spend requirement.

Shutdown Risk Triggers: Missed or late payments, high credit utilization on the Synchrony account or across all credit lines, defaulting on promotional financing terms, bankruptcy or significant derogatory changes to credit report, suspicious activity or suspected fraud, or opening too many Synchrony accounts in a short period leading to an overall high credit exposure with the issuer.

Cliff Effect Rules: Not applicable. Synchrony store cards generally operate independently. There are no 'card families' or cumulative benefits across different Synchrony store cards that would trigger a 'cliff effect.' Each card's benefits are specific to its co-branded merchant.

Special Events: Seasonal maintenance promotions (e.g., Spring tune-ups, Winterization, Fall tire sales), back-to-school vehicle checks, holiday travel preparation deals, and exclusive cardholder discounts on specific services or products.

Holiday Promos: New Year's Day, Memorial Day, Independence Day (4th of July), Labor Day, Black Friday / Cyber Monday (often extended through December), and Christmas / Year-End sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Convenient financing for unexpected car repairs; useful for building credit; special promotional offers can be beneficial for large purchases.

Top Negative:
High standard APR after promotional period; poor customer service experiences; difficulty understanding financing terms; limited use outside specific merchants.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Flex
  • Discover it Secured
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $25.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 01/24

Last Updated: Jan 01, 2024 00:00