Synchrony Car Care™ credit card
Basic Information
Program ID: big-red-rewards-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 17:55
Last Scraped: 01/15/2026 17:57
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: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| 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: 2,999.00% - 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 traditional sign-up bonus (welcome offer) in the form of points, miles, or cash back for new cardholders was found on the Big Red Tire & Auto financing page. The card primarily offers special financing promotions on qualifying purchases.
Rewards Program
Reward Type: Store Credit / Cashback
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on purchases at Partner Store, 2x on Gas & Groceries, 1x on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after earning or if account is inactive for 12 months.
Transfer Partners: N/A - No transfer partners available.
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 'big-red-rewards-card' offers 5% back on all purchases made at Big Red stores and 1% back on all other eligible purchases everywhere Visa/Mastercard is accepted. New cardholders receive an additional 10% off their first purchase at Big Red stores within 30 days of account opening. Eligibility requirements for application include: being 18 years of age or older, possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a U.S. mailing address, and demonstrating a fair to good credit history (typically FICO 670+). Applicants must also meet Synchrony's internal income and debt-to-income (DTI) requirements, and have no recent bankruptcies or severe delinquencies. Approval is subject to Synchrony's credit underwriting standards, which consider existing credit relationships with Synchrony and store-specific restrictions.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive credit seeking (numerous applications in a short period), abuse of return policies (especially for store-specific rewards), consistent late payments, suspicious or unusual spending patterns, and any breach of the cardholder agreement terms and conditions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Convenient financing for auto repairs and maintenance, accepted at many gas stations and auto service centers, special promotional financing offers.
Top Negative Feedback:
High standard APR, customer service can be inconsistent, limited rewards outside of promotional financing.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne
- Discover it Secured
- Citi Custom Cash
Card Value Score: 70.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 80% Auto Network / 20% General (Gas)
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0