5
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGQuarterly Rotating: No
Benefits & Protections (Detailed) 5 Total
PENDINGAccount Management 1
Online Account Management
Access to an online portal to manage the credit card account, view statements, and make payments.
Cost Savings 1
No Annual Fee
No annual feeThe Express Oil Change credit card does not charge an annual fee for card membership.
Financial Management 1
Convenient Monthly Payments
Cardholders can make convenient monthly payments towards their outstanding balance.
Financing 1
Special Financing Offers
Varies by promotionAccess to special financing promotions on qualifying purchases made with the Express Oil Change credit card, allowing for deferred interest or reduced APR periods.
Shopping 1
Exclusive Merchant Acceptance
The Express Oil Change credit card is accepted at all Express Oil Change & Tire Engineers locations for purchases and services.
Benefits Summary (Flags)
PENDINGExtended 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: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Express Oil Change Credit Card in 2026 requires applicants to be at least 18 years old (19 in AL/NE), a US resident with a valid SSN or ITIN, and possess a satisfactory credit history as determined by Synchrony. Approval is subject to Synchrony's credit underwriting standards. The card is exclusively for use at Express Oil Change locations. Typical introductory offers may include special financing (e.g., 0% APR for 6-12 months on qualifying purchases over a certain threshold) or a discount on the first purchase. These offers are subject to change and specific terms and conditions.
Max Cards Per Issuer: 7
Min Spend Interval: N/A; promotional offers are typically immediate upon first use or tied to specific financing terms rather than a cumulative spend requirement over a period.
Cliff Effect Rules: Not applicable; each Synchrony store card is generally evaluated and managed independently, without 'family' rules that restrict eligibility based on other Synchrony store cards held.
Special Events: Seasonal maintenance promotions (e.g., spring/winter service packages), tire sales, specific service bundle discounts, and exclusive cardholder-only offers throughout the year.
Holiday Promos: Major US holiday sales periods such as Black Friday, Cyber Monday, Memorial Day, Labor Day, and other seasonal events often feature enhanced financing offers or direct discounts for cardholders.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Easy approval process, offers special financing for auto repairs, widely accepted at gas stations and various auto service businesses, useful for emergency expenses.
Top Negative:
High APR after promotional periods, confusing deferred interest terms, low credit limits, reports of poor customer service from Synchrony.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Firestone Credit Card
- Goodyear Credit Card
- Capital One Platinum Secured
Card Value Score: 60.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: 2024-03-01