NAPA EasyPay Credit Card
Basic Information
Program ID: napa-easypay-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:52
Last Scraped: 01/15/2026 12:54
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: | None |
| 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: No traditional sign-up bonus (e.g., points, cash back, or statement credit for meeting a spending threshold) is currently advertised for the NAPA EasyPay Credit Card on the provided page. The primary benefit highlighted is special financing offers.
Rewards Program
Reward Type: Special Financing Offers
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: NAPA Auto Parts Purchases (for special financing eligibility, typically on purchases meeting a minimum spend threshold like $199)
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A (Financing terms apply per qualifying purchase; deferred interest if not paid in full by promotional period end)
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion
Issuer Rules
Rules: Based on current Synchrony Bank practices projected for 2026, eligibility for the NAPA EasyPay credit card typically requires a good to excellent credit score, U.S. residency, and being at least 18 years old. Synchrony is known to be sensitive to recent credit inquiries and new account openings across all its products. The primary 'bonus rule' for this card is special financing offers (e.g., 0% APR for 6-12 months on qualifying NAPA purchases over a certain threshold, typically $199-$299), rather than a traditional sign-up bonus.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A - Bonus is typically special financing applied at point of sale for qualifying purchases, not a spend-based bonus with a specific time interval.
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, multiple recent applications (especially within a short timeframe), suspicious account activity, defaulting on any Synchrony account, excessive credit utilization, or non-compliance with terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.9 / 5.0
Top Positive Feedback:
Offers special financing for NAPA purchases, useful for unexpected auto repairs, relatively easy to get approved.
Top Negative Feedback:
Very high standard APR, poor customer service from Synchrony Bank, deferred interest can be costly if balance isn't paid in full, low credit limits reported by some users.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Discover it Cash Back
- Citi Double Cash Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: June 2023