0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Financing Offers
Base Rate: 0x
Bonus Rate: 0x
Categories: Special Financing on Maaco Services
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: N/A - Benefits are financing offers, not accumulating rewards.
Point Value: 0¢
Travel Portal Multiplier: 0x
Transfer Partners: N/A
Redemption Penalties: N/A - Benefits are financing offers, not redeemable rewards.
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
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
PENDING$0
Cash BackRequirement: Spend $0 in 0 days
Timing: As of the current date (which I am processing this request, not January 2026), the Maaco financing page primarily advertises promotional financing offers for the Synchrony Car Care credit card (e.g., 'No interest if paid in full within 6 months on purchases of $199 or more'). There is no traditional sign-up bonus in the form of points, miles, or cash back explicitly stated as a welcome offer. Therefore, there is no 'bonus approval timing' for such an offer. Promotional financing terms are typically applied at the point of sale and reflected on monthly statements.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 0%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Maaco Credit Card (Synchrony) in 2026 requires applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to Synchrony's creditworthiness criteria, typically requiring fair to good credit. The primary 'bonus rule' for this store card is special financing offers, such as deferred interest promotions (e.g., 6, 12, 18, or 24 months) on qualifying purchases made at Maaco locations. If the promotional balance is not paid in full by the end of the specified period, interest will be retroactively charged from the original purchase date. Specific promotional APRs may also be available for certain services.
Max Cards Per Issuer: 4
Min Spend Interval: Special financing offers are tied to qualifying purchases made at Maaco. The 'interval' refers to the promotional period (e.g., 6, 12, 18, or 24 months) during which deferred interest applies, rather than a traditional bonus spend period.
Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' rules like some major issuers. However, overall credit exposure across all Synchrony-issued cards is a significant factor. High existing credit limits or numerous active accounts with Synchrony can influence approval for new applications or credit limit increases, potentially leading to denials or lower limits due to perceived risk.
Special Events: Maaco often runs seasonal promotions (e.g., spring maintenance, winter prep, collision repair specials) that are frequently accompanied by enhanced special financing offers through the Maaco Credit Card. These events are typically advertised directly by Maaco.
Holiday Promos: Expect enhanced special financing offers during major U.S. holiday periods such as Memorial Day, Labor Day, Black Friday, and year-end sales, aligning with Maaco's promotional calendar.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.9 / 5.0
Top Positive:
Users appreciate the special financing options for auto repairs, making large expenses manageable. The application process is often quick and easy, providing immediate access to credit for necessary services.
Top Negative:
Common complaints include high interest rates after promotional periods, poor customer service from Synchrony Bank, and difficulties resolving billing issues. Some users also report limited acceptance outside of specific auto merchants.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Citi Custom Cash Card
- Wells Fargo Autograph Card
- Discover it Cash Back
Card Value Score: 60.0 / 100
Est. Annual Rewards: $15.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0