DriveSavvy Rewards Credit Card

Synchrony Visa Pending

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2

Benefits

0

Reward Categories

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Max Reward

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APR From
Basic Information
PENDING

Program ID: drivesavvy-rewards-credit-card

Issuer: Synchrony

Card Name: DriveSavvy Rewards Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:28

Last Scraped: Feb 16, 2026 18:30

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

The Military Annual Percentage Rate (MAPR) for covered borrowers under the Military Lending Act (MLA) will not exceed 36%.

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) 2 Total
PENDING
Fees & Charges 1
No Annual Fee
$0

The DriveSavvy Credit Card does not charge an annual fee for card membership.

Financing 1
Special Financing Options
Promotional APRs and deferred interest options

Cardholders may be eligible for special financing options on qualifying purchases made with the DriveSavvy Credit Card at participating automotive service and parts locations. These options typically include promotional APRs or deferred interest periods.

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
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: To be eligible for the DriveSavvy Rewards Credit Card, applicants must be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a good to excellent credit history. Approval is subject to Synchrony's internal credit underwriting standards, which include a review of existing Synchrony accounts and recent credit inquiries. The card's primary bonus rule offers a $100 statement credit after spending $500 on eligible purchases within the first 3 months of account opening. This bonus, along with ongoing rewards, is subject to store-specific restrictions and is primarily redeemable at participating 'DriveSavvy' brand locations or their designated partners.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive spending outside of the primary partner brand, rapid accumulation of Synchrony credit across multiple accounts, high credit utilization across Synchrony products, defaulting on any Synchrony product, or unusual spending patterns inconsistent with typical consumer behavior for a store card.

Cliff Effect Rules: Synchrony generally limits new applications if an applicant has opened multiple Synchrony accounts within a short timeframe (e.g., 2 or more accounts within 6-12 months) or if the cumulative credit limit across all Synchrony accounts is deemed too high relative to income and credit profile. While not a strict 'family' rule like 5/24, new approvals become significantly harder with multiple recent Synchrony accounts.

Special Events: Frequent promotional periods tied to 'DriveSavvy' brand sales events, loyalty program tiers, and specific product launches. Expect enhanced rewards, special financing offers, or exclusive discounts during these times, typically advertised directly by the partner.

Holiday Promos: Major U.S. retail holidays such as Black Friday, Cyber Monday, Memorial Day, Labor Day, and the year-end holiday shopping season. Expect special financing, bonus rewards, or statement credit offers during these peak periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Users appreciate the strong rewards rate on gas and auto-related purchases, making it a valuable card for car owners. The lack of an annual fee is also a significant positive.

Top Negative:
Some users find the reward caps restrictive, limiting the overall cash back potential. The card's niche focus means it's less rewarding for general spending, and like many Synchrony cards, customer service can be a point of frustration.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Sam's Club Mastercard
  • ExxonMobil SmartPass+ Credit Card
  • Citi Custom Cash Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $215.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0