Car-X Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: car-x-credit-card

Issuer: Synchrony

Card Name: Car-X Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 17:31

Last Scraped: Feb 16, 2026 17:33

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) 3 Total
PENDING
Security 1
Zero Fraud Liability
Protection against unauthorized charges

Cardholders are not responsible for unauthorized charges made with their Car-X Credit Card. This protection applies to purchases made in-store or online, providing peace of mind against fraudulent activity.

Shopping 2
Special Financing Offers
Varies by promotional offer and purchase amount

Access to promotional financing options for eligible purchases made at Car-X Tire & Auto locations. These offers allow cardholders to pay for services over time, often with deferred interest if paid in full within a specified promotional period.

Convenient Payment for Auto Services
Dedicated credit line for Car-X services

The Car-X Credit Card provides a dedicated credit line specifically for tires, auto repairs, and maintenance services at Car-X Tire & Auto locations, offering a convenient and specialized payment method for automotive needs.

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
Balance Transfer: None
Cash Advance: None
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ No interest if paid in full within 6 months on purchases of $199 or more. 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 'car-x-credit-card' from Synchrony for 2026 is a store-specific credit product designed for purchases at 'car-x' branded locations and potentially their online store. Eligibility requirements include being at least 18 years of age, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating a fair to good credit history with the ability to make payments. Applicants must also meet Synchrony's internal underwriting criteria. The primary bonus rule for new cardholders is typically an introductory offer, such as a percentage discount (e.g., 10-15%) on the first qualifying 'car-x' purchase made within a specified period, or special financing offers (e.g., 0% APR for 6-12 months) on larger 'car-x' purchases. All benefits and promotional offers are subject to 'car-x' store-specific restrictions and Synchrony's terms and conditions.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive account inactivity (especially for store cards), repeated late payments or defaults on any Synchrony product, abnormal spending patterns inconsistent with typical 'car-x' purchases, and any suspected fraudulent activity or breach of terms of service.

Cliff Effect Rules: Synchrony does not typically enforce 'card family' rules in the same manner as some other major issuers (e.g., 'once per lifetime' bonuses). However, they do manage overall credit exposure. Applying for multiple Synchrony-issued cards in a short period, or accumulating a very high total credit limit across all your Synchrony accounts, can lead to application denials, lower credit limits, or account reviews. Your creditworthiness and existing relationship with Synchrony will heavily influence approval for additional products.

Special Events: Expect exclusive cardholder events such as early access to new 'car-x' models or services, special discounts on 'car-x' parts and accessories, seasonal maintenance package promotions, and VIP access to 'car-x' sponsored automotive events or workshops.

Holiday Promos: Key promotional periods for the 'car-x-credit-card' will align with major retail holidays (e.g., Black Friday, Cyber Monday, Memorial Day, Labor Day, 4th of July, End-of-Year Sales) and potentially specific automotive industry events or seasons (e.g., Spring/Fall service specials, New Model Year launches).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Widely accepted at automotive service and gas stations, offers special financing for repairs, and provides a convenient payment option for car-related expenses.

Top Negative:
High interest rates after promotional periods, frequent complaints about customer service, and difficulties with credit limit increases or account management.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Pep Boys Synchrony Car Care Credit Card
  • Discount Tire Credit Card
  • Capital One Platinum Secured Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $10.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2024-01-01