The Jiffy Lube Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: jiffy-lube-credit-card

Issuer: Synchrony

Card Name: The Jiffy Lube Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:57

Last Scraped: Feb 17, 2026 04:58

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
Financial 1
No Annual Fee
No annual fee

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

Lifestyle 1
Online Account Management
Convenient access

Cardholders have access to convenient online tools to manage their account, including viewing statements, making payments, and checking balances.

Shopping 1
Special Financing Offers
Varies by promotion

Cardholders may be eligible for special financing promotions on qualifying purchases made at participating Jiffy Lube locations. Specific terms and conditions apply and are disclosed at the time of purchase or 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

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 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. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 680
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Jiffy Lube Credit Card, issued by Synchrony Bank, primarily offers promotional financing options rather than traditional sign-up bonuses. For 2026, expect deferred interest promotions such as 'No Interest if Paid in Full within 6 Months on purchases of $199 or more' or similar tiered offers. These promotions are typically applied at the point of sale for qualifying service amounts. Eligibility requirements include being 18 years or older, a U.S. resident with a valid Social Security Number or ITIN, and meeting Synchrony Bank's credit underwriting criteria, which involves a review of credit history and income. Approval is subject to Synchrony's internal risk assessment and creditworthiness standards.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for traditional bonus spend; deferred interest offers apply to specific purchase thresholds at the time of transaction.

Shutdown Risk Triggers: Common triggers for Synchrony account review or potential shutdown include: excessive credit applications within a short timeframe (credit seeking behavior), high cumulative credit limits across multiple Synchrony accounts relative to reported income, missed payments or defaults on any Synchrony product, suspected fraudulent activity, or consistent abuse of promotional financing terms (e.g., making minimum payments and then paying off just before interest accrues, repeatedly, across many accounts).

Cliff Effect Rules: The Jiffy Lube Credit Card operates as a standalone store-specific financing tool. There are no 'card family' rules or 'cliff effects' similar to general-purpose credit card ecosystems (e.g., Chase 5/24). Each Synchrony store card application and account is generally evaluated independently, though overall Synchrony credit exposure is considered in new application decisions.

Special Events: For 2026, expect recurring seasonal maintenance promotions. These often align with peak travel seasons or weather changes, such as 'Spring Car Care' (March-April), 'Summer Road Trip Ready' (May-July), and 'Winterization Specials' (October-November). These events typically feature enhanced deferred interest offers or specific discounts on services like oil changes, tire rotations, and fluid checks when using the card.

Holiday Promos: While not traditional holiday shopping, Jiffy Lube promotions often coincide with major travel holidays. Look for enhanced offers around Memorial Day, Independence Day, Labor Day, Thanksgiving, and the Christmas/New Year travel period. These are designed to encourage pre-trip maintenance using the card's financing options.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, useful for financing larger auto repairs at Jiffy Lube, no annual fee.

Top Negative:
Very high standard APR, limited acceptance only at Jiffy Lube, frequent complaints about Synchrony customer service and account management.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Flex
  • Discover it Cash Back
  • Shell Fuel Rewards Card (Synchrony)

Card Value Score: 45.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0