CarMax Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: carmax-credit-card

Issuer: Synchrony

Card Name: CarMax Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:21

Last Scraped: Feb 15, 2026 16:09

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers assistance to active duty Servicemembers and their dependents, who may be eligible for benefits under the Servicemembers Civil Relief Act (SCRA).

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) 4 Total
PENDING
Financial 1
No Annual Fee
$0

The CarMax Auto Finance credit card does not charge an annual fee for card membership.

Security 2
Online Account Management

Provides cardholders with access to an online portal to manage their account, view statements, make payments, and monitor activity.

Fraud Protection
Protection against unauthorized charges

Provides protection against unauthorized charges and fraudulent activity on the credit card account.

Shopping 1
Special Financing Options
Varies by offer

Offers special promotional financing options on qualifying purchases made with the CarMax Auto Finance credit card at CarMax service centers for service, parts, accessories, and extended service plan deductibles.

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: $0.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No interest if paid in full within 6 or 12 months on qualifying purchases of $150 or more made with your CarMax Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required. See card agreement for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: The CarMax credit card, issued by Synchrony, primarily offers special financing options for purchases made at CarMax. There is typically no traditional sign-up bonus (e.g., cash back or points) requiring a minimum spend. Instead, benefits are tied to promotional financing offers (e.g., deferred interest, low APR) available on qualifying CarMax purchases, subject to credit approval and specific promotional terms. **Eligibility Requirements (expected for 2026):** * Applicants must be at least 18 years old (19 in AL and NE). * Must be a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). * Must have a verifiable source of income. * Generally requires good to excellent credit (FICO score typically 670+). * Synchrony may consider the applicant's existing credit relationship with them, including the number of open accounts and total credit extended. A high number of recent credit inquiries may also impact approval.

Max Cards Per Issuer: 5

Min Spend Interval: N/A - The CarMax credit card typically does not offer a traditional sign-up bonus requiring a minimum spend within a specific timeframe. Its primary benefit is special financing on CarMax purchases, which applies directly to transactions made with the card.

Shutdown Risk Triggers: Common Synchrony shutdown triggers include: high cumulative credit limit across multiple Synchrony accounts (especially if utilization is low), defaulting on any Synchrony account or consistently making late payments, suspicious or fraudulent activity, excessive credit seeking (many applications in a short period), and any breach of the cardholder agreement.

Cliff Effect Rules: Store cards like the CarMax card typically do not have complex 'card family' or 'cliff effect' rules related to bonus eligibility across different card products. The primary 'cliff effect' for this card would be the loss of special financing terms (e.g., deferred interest) if minimum payments are not made on time or if the promotional balance is not paid in full by the end of the promotional period, leading to retroactive interest charges.

Special Events: CarMax may offer enhanced financing promotions or special APR deals during specific sales events, model year-end clearances, or inventory reduction periods. These are typically advertised directly by CarMax through their website, dealerships, and marketing campaigns.

Holiday Promos: Expect special financing offers or reduced APR promotions around major U.S. holidays (e.g., Memorial Day, 4th of July, Labor Day, Black Friday/Cyber Monday, year-end sales) when CarMax typically runs sales events to attract customers.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy to get financing for CarMax purchases, useful for service and accessories with promotional APRs, convenient online account management.

Top Negative:
High standard APRs after promotional periods, limited use outside CarMax, some users report customer service challenges with Synchrony Bank.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One Quicksilver
  • Discover it Secured
  • Chase Freedom Rise

Card Value Score: 60.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0