Synchrony Car Care™ credit card
Basic Information
Program ID: maaco-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Synchrony Car Care Network
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 18:02
Last Scraped: 01/15/2026 18:04
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus 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.
Rewards Program
Reward Type: Financing Offers
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special Financing on Maaco Services
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Benefits are financing offers, not accumulating rewards.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 4
Minimum 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.
Shutdown Risk Triggers: Common triggers for account review or shutdown by Synchrony include high credit utilization across multiple Synchrony accounts, multiple recent applications with Synchrony, failure to make timely payments, suspected fraudulent activity, or excessive cumulative credit exposure relative to income. While less common for store cards, manufactured spending or unusual transaction patterns could also be flagged.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.9 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 54 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0