Midas Credit Card

Synchrony Pending

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5

Benefits

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Reward Categories

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Max Reward

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Basic Information
PENDING

Program ID: midas-store-card

Issuer: Synchrony

Card Name: Midas Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 06:14

Last Scraped: Feb 17, 2026 06:16

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides benefits and protections to Servicemembers and their families under the Servicemembers Civil Relief Act (SCRA), including interest rate reductions and other financial relief.

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
Financial 1
No Annual Fee
No annual fee

The Synchrony Car Care™ credit card does not charge an annual fee for card membership, allowing cardholders to save on recurring costs.

Financing 1
Special Financing Offers
On purchases of $199 or more

Cardholders can access special financing options on qualifying purchases of $199 or more. Specific terms and conditions apply to these promotional offers.

Shopping 3
Acceptance at Gas Stations
Nationwide

The Synchrony Car Care™ credit card is accepted at gas stations nationwide, providing a convenient payment method for fuel purchases.

Acceptance at Auto Service & Parts Merchants
Over 500,000 auto merchants nationwide

The Synchrony Car Care™ credit card is accepted at over 500,000 auto parts and service businesses nationwide, including dealerships, tire stores, and general auto repair shops like Midas.

Acceptance at Car Washes

The Synchrony Car Care™ credit card is accepted at car wash locations, allowing cardholders to use it for vehicle cleaning services.

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
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
No Additional Fees Available

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Interest Rates & APR
PENDING
Standard APR
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
Fair
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Midas Store Card is exclusively for purchases at Midas locations within the USA. Eligibility requires applicants to be 18 years or older (19 in AL/NE), a US resident with a valid SSN or ITIN, and not have a recent history of bankruptcy with Synchrony. Approval generally requires fair to good credit, though store cards can sometimes be more accessible than general-purpose credit cards. Typical bonuses include an initial discount (e.g., 10-15% off the first Midas purchase made within 30 days of account opening) or special promotional financing offers on qualifying Midas services and products.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for traditional bonus spend. Promotional financing offers or first-purchase discounts are typically immediate or tied to specific purchase windows (e.g., 'within 30 days of account opening').

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts relative to income, consistent late payments or defaults on any Synchrony account, excessive credit limit requests, suspicious or fraudulent activity, rapid application for multiple Synchrony credit products in a short period, or abuse of promotional financing terms.

Cliff Effect Rules: Not applicable. Store cards typically do not belong to a 'card family' with tiered benefits or downgrade paths that would trigger a cliff effect.

Special Events: Seasonal auto maintenance promotions (e.g., Spring Car Care, Winter Tire Check-up), specific service discounts (e.g., brake service, oil change specials), new product/service launches at Midas, and exclusive cardholder-only offers.

Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/New Year's, Memorial Day, Labor Day, Independence Day, and potentially specific Midas-centric events throughout the year.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Convenient financing for unexpected auto repairs, special promotional APR offers, quick approval process at Midas locations.

Top Negative:
High deferred interest if balance not paid in full, high standard APR, limited use outside Midas, reports of difficult customer service from Synchrony.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Goodyear Credit Card (Synchrony)
  • Pep Boys Synchrony Car Care Credit Card
  • Discover it Cash Back (for gas/auto category bonuses)

Card Value Score: 55.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2024.01