Meineke Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: meineke-credit-card

Issuer: Synchrony

Card Name: Meineke Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 06:08

Last Scraped: Feb 17, 2026 06:10

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) 5 Total
PENDING
Account Management 2
Online Account Management

Manage your Meineke Credit Card account conveniently online, including viewing statements, checking balances, and making payments through the Synchrony website.

Convenient Monthly Payments

Make convenient monthly payments on your Meineke Credit Card balance, helping you manage your budget for Meineke services.

Fees 1
No Annual Fee
No annual fee

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

Financing 1
Promotional Financing Offers
Varies by promotion

Access to special promotional financing offers, such as deferred interest, on qualifying purchases made with the Meineke Credit Card. Specific terms and durations of these offers vary by promotion.

Shopping 1
Exclusive Cardholder Offers
Varies by offer

Receive exclusive offers and promotions that are available only to Meineke Credit Card holders.

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: $41.00
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.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Meineke Credit Card, issued by Synchrony, is primarily designed for use at Meineke Car Care Centers. Eligibility requirements for 2026 are projected to remain consistent with current Synchrony standards: applicants must be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have verifiable income. While a good to excellent credit history is generally preferred, Synchrony may approve applicants with fair credit, especially for store-specific cards. The primary 'bonus rule' for new cardholders typically involves promotional financing offers, such as 0% APR for 6 to 12 months on qualifying Meineke purchases over a specified minimum amount (e.g., $199 or $299). These offers are usually applied at the point of sale or for initial purchases upon account opening, rather than traditional points or cashback bonuses.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional bonus; promotional financing typically requires a single qualifying purchase above a specified threshold, with the promotional period starting from the purchase date.

Shutdown Risk Triggers: Common triggers for Synchrony account shutdown include: high cumulative credit limit across multiple Synchrony accounts, missed or consistently late payments on any Synchrony account, high credit utilization, suspected fraudulent activity or account abuse, opening too many Synchrony accounts in a short period (though less strict than other issuers), and significant negative changes to the cardholder's credit profile (e.g., bankruptcy).

Cliff Effect Rules: Generally not applicable. Synchrony store-specific credit cards typically do not have complex 'card family' or 'once-per-lifetime' bonus restrictions akin to major bank credit cards. Each Meineke Credit Card account is usually treated independently for promotional offers.

Special Events: Meineke Credit Card holders can anticipate special in-store promotions throughout the year, including: seasonal maintenance discounts (e.g., 'Spring Car Care Event,' 'Winter Prep Specials'), exclusive cardholder-only discounts on specific services (e.g., oil changes, tire services, brake repairs), tiered discounts based on spending thresholds, and special financing options for larger service packages.

Holiday Promos: Key holiday promotional periods for Meineke Credit Card holders are expected to include: New Year's (January), Valentine's Day (February), Memorial Day (May), Independence Day (July), Labor Day (September), Black Friday/Cyber Monday (November), and the broader Christmas/Year-End holiday season (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval for auto repairs, useful for financing unexpected car expenses, accepted at a network of auto service providers.

Top Negative:
High standard APR after promotional period, limited acceptance outside of auto network, customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Discover it Secured
  • Capital One QuicksilverOne
  • Citi Custom Cash

Card Value Score: 65.0 / 100

Est. Annual Rewards: $25.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0