Synchrony Car Care™ credit card

Synchrony Pending

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1

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: crestline-auto-transport-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 18:05

Last Scraped: Feb 16, 2026 18:07

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing Offers
Varies by promotion

Cardholders may be eligible for special financing promotions on qualifying purchases made with Crestline Auto Transport. These offers typically involve deferred interest or reduced APR for a specific promotional period, subject to credit approval and minimum monthly payments. Specific terms and availability vary by promotion.

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

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Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

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
No Approval Criteria Available

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Issuer Rules & Policies
PENDING

Rules: Application Eligibility (2026): Applicants must be U.S. residents, 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), provide a valid government-issued photo ID, and meet Synchrony Bank's creditworthiness criteria. Bonus/Promotional Rules (2026): This card typically offers special financing on qualifying purchases made exclusively at Crestline Auto Transport. Common offers include 0% APR for a specified period (e.g., 6, 12, or 18 months) on purchases exceeding a minimum threshold (e.g., $299, $499, $799), or a one-time discount (e.g., 10-15%) on the first purchase made within a set timeframe. Specific promotional offers are subject to change and will be advertised by Crestline Auto Transport. Store-specific restrictions apply, meaning the card is only valid for purchases at Crestline Auto Transport locations or their authorized online portal.

Max Cards Per Issuer: 6

Min Spend Interval: Store cards like this typically do not have a traditional 'minimum spend interval' for a sign-up bonus. Promotional financing offers are usually activated upon making a qualifying purchase, with terms applying from the date of purchase.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive credit seeking (numerous applications in a short period), defaulting on any Synchrony account, suspicious or fraudulent activity, abuse of promotional financing terms, or failure to adhere to the cardholder agreement.

Cliff Effect Rules: Synchrony does not have a direct 'cliff effect' rule similar to Chase's 5/24. However, approvals for new Synchrony cards are influenced by the total credit extended across all existing Synchrony accounts and the applicant's overall credit profile. A high number of existing Synchrony accounts or a high cumulative credit limit may lead to denials for new applications, even if individual credit scores are good.

Special Events: Seasonal maintenance promotions (e.g., 'Spring Tune-Up Savings,' 'Winter Prep Deals'), new service/product launches, anniversary sales for Crestline Auto Transport, and exclusive cardholder-only events or discounts.

Holiday Promos: Major U.S. holidays such as Memorial Day, Independence Day, Labor Day, Black Friday/Cyber Monday, and the year-end holiday season (Christmas/New Year). Also, potentially specific automotive-related events or sales periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Offers promotional financing for auto repairs and maintenance; provides a dedicated credit line for automotive expenses; relatively easy application process.

Top Negative:
High regular APR after promotional periods; reports of poor customer service; limited acceptance outside of the Synchrony Car Care network; potential for unexpected interest if promotional terms are not met precisely.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Citi Custom Cash Card
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Card Value Score: 60.0 / 100

Est. Annual Rewards: $15.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0