Brakes Plus Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: brakes-plus-credit-card

Issuer: Synchrony

Card Name: Brakes Plus Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 17:12

Last Scraped: Feb 16, 2026 17:14

Apply URL: Visit

Home URL: Visit

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
Financial 1
No Annual Fee
No annual fee

The Brakes Plus Credit Card does not charge an annual fee, allowing cardholders to save on yearly costs.

Financing 2
Special Financing Offers
Varies by offer

Cardholders may be eligible for special financing options on qualifying purchases made with the Brakes Plus Credit Card. Specific terms and conditions apply and should be reviewed at the time of purchase.

Flexible Monthly Payments
Flexible payment options

The Brakes Plus Credit Card offers convenient monthly payment options to help manage your automotive expenses.

Lifestyle 1
Online Account Management
Convenient access

Access and manage your Brakes Plus Credit Card account conveniently online, including viewing statements, making payments, and updating personal information.

Shopping 1
Nationwide Acceptance at Auto Merchants
Over 1 million locations

The Brakes Plus Credit Card is accepted at over 1 million automotive merchants nationwide, providing broad utility for vehicle maintenance and repairs.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Special Financing

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months.
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 Brakes Plus Credit Card, issued by Synchrony, is primarily designed for financing automotive services and purchases at Brakes Plus locations. Eligibility requires applicants to be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria (typically fair to good credit). Application can be completed online or in-store. The card's primary benefit is promotional financing offers, such as 6 months 0% APR on purchases of $199 or more, or 12 months 0% APR on purchases of $750 or more, subject to credit approval and specific terms. These offers are generally for new purchases made at Brakes Plus. The card is not intended for general-purpose spending outside of Brakes Plus and potentially other select auto-related merchants.

Max Cards Per Issuer: 5

Min Spend Interval: N/A (benefits are primarily promotional financing, not traditional sign-up bonuses with spend intervals)

Shutdown Risk Triggers: Manufactured spending (less common for store cards but a general trigger), high cumulative credit limit across all Synchrony accounts, excessive credit applications (especially with Synchrony), high utilization on Synchrony cards, missed payments or defaults on any Synchrony account, suspected fraudulent activity, or significant changes in credit profile.

Cliff Effect Rules: Synchrony does not typically have 'cliff effect' rules in the traditional sense (e.g., 5/24). However, Synchrony manages overall credit exposure across all its issued cards for a single customer. While approval for one store card does not directly preclude another, total credit limits and the number of open accounts with Synchrony are considered during new applications and credit line increase requests, potentially leading to denials or lower limits if overall exposure is deemed too high.

Special Events: Exclusive cardholder discounts on specific services (e.g., 10% off brake service, tire rotations), seasonal maintenance packages (e.g., 'Winter Ready' inspections, 'Summer AC Service' promotions), and potential double points or cash back offers on select service categories during promotional periods.

Holiday Promos: Major U.S. holidays such as Memorial Day, Independence Day, Labor Day, Black Friday/Cyber Monday, and Christmas/New Year often feature enhanced promotional financing offers or special discounts. Additionally, seasonal periods like Spring and Fall maintenance drives are common for automotive service promotions.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Access to special financing offers, No annual fee, Accepted at many automotive service and parts locations.

Top Negative:
High APR after promotional period, Potential customer service issues, Limited acceptance outside automotive network.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Synchrony Car Care Credit Card
  • Discover it Cash Back
  • Capital One Platinum Secured Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: January 1, 2024