NAPA EasyPay Credit Card

Synchrony Pending

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6

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: napa-easypay-credit-card

Issuer: Synchrony

Card Name: NAPA EasyPay Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:52

Last Scraped: Feb 15, 2026 16:27

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

Quarterly Rotating: No

Benefits & Protections (Detailed) 6 Total
PENDING
Financial 1
No Annual Fee
No annual fee

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

Purchase Protection 1
Extended Peace of Mind Warranty
Extended from 24 months/24,000 miles to 36 months/36,000 miles

When repairs are paid for using the NAPA EasyPay Credit Card at a NAPA AutoCare Center, the standard NAPA AutoCare Peace of Mind Warranty is extended from 24 months/24,000 miles to 36 months/36,000 miles. This warranty covers parts and labor for qualifying repairs.

Shopping 4
Special Financing Offers
Special financing on qualifying purchases

Cardholders can take advantage of special financing options on qualifying purchases made with the NAPA EasyPay Credit Card.

Acceptance at NAPA AutoCare Centers
Over 11,000 locations nationwide

The NAPA EasyPay Credit Card is accepted at over 11,000 NAPA AutoCare Centers nationwide.

Acceptance at NAPA AUTO PARTS Stores
Over 6,000 locations nationwide

The NAPA EasyPay Credit Card is accepted at over 6,000 NAPA AUTO PARTS Stores nationwide.

Acceptance at Other Automotive Merchants
Thousands of other automotive merchants

The NAPA EasyPay Credit Card is accepted at thousands of other automotive merchants.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 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 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The NAPA EasyPay credit card, issued by Synchrony, primarily offers deferred interest financing on qualifying NAPA Auto Parts purchases. Typical offers include 6, 12, or 18 months of special financing, with interest accruing from the purchase date if the balance is not paid in full by the promotional period end. Eligibility for the card generally requires applicants to be at least 18 years old, possess a valid Social Security Number or ITIN, have a U.S. mailing address, and demonstrate a good to excellent credit history. Store-specific restrictions, minimum purchase requirements, and promotional period terms apply to all financing offers. Synchrony reserves the right to limit the total number of credit lines or total credit exposure per customer.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for traditional bonus spend. Deferred financing offers typically require the promotional balance to be paid in full within 6, 12, or 18 months to avoid accrued interest.

Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, sudden large or unusual purchase patterns, missed payments, suspected fraudulent activity, excessive credit seeking (numerous applications in a short period), or failure to adhere to account terms and conditions.

Cliff Effect Rules: Not applicable in the traditional sense of card family rules (e.g., 5/24). Eligibility for new Synchrony cards is primarily based on individual creditworthiness, payment history with Synchrony, and Synchrony's internal total credit exposure limits per customer.

Special Events: Seasonal maintenance promotions (e.g., spring tune-up, winter prep), holiday sales events, specific product category discounts (e.g., tires, batteries, tools), and loyalty program tie-ins with NAPA Rewards.

Holiday Promos: Major U.S. holidays such as Memorial Day, Fourth of July, Labor Day, Black Friday/Cyber Monday, and year-end/Christmas shopping periods are common times for special financing offers or discounts.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Useful for financing large auto repairs and parts with deferred interest promotions; relatively easy approval for fair credit.

Top Negative:
High APR after promotional period; poor customer service from Synchrony Bank; limited utility outside NAPA stores.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Advance Auto Parts Credit Card (Synchrony)
  • Pep Boys Synchrony Car Care Credit Card
  • Capital One Platinum Secured Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: February 2024