The Pep Boys Synchrony Car Care™ Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: pep-boys-credit-card

Issuer: Synchrony

Card Name: The Pep Boys Synchrony Car Care™ Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:27

Last Scraped: Feb 17, 2026 07:28

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers SCRA benefits, reducing interest rates to 6% per year for eligible servicemembers on obligations incurred prior to military service.

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 Pep Boys Synchrony credit card does not charge an annual fee for card membership.

Financial Management 1
Online Account Management

Conveniently manage your Pep Boys Synchrony credit card account online, including viewing statements, making payments, and checking balances.

Financing 2
Ongoing Special Financing Offers
Varies by promotion

Access to special financing promotions on qualifying purchases made with the Pep Boys Synchrony credit card. Specific terms and minimum purchase amounts apply and vary by promotion.

Introductory Special Financing: 6 Months on Purchases of $199 or More
6 months special financing on purchases of $199 or more

New cardholders can receive 6 months special financing on purchases of $199 or more when they apply and are approved for a Pep Boys Synchrony credit card.

Shopping 1
Exclusive Cardholder Offers
Varies by offer

Receive exclusive discounts, promotions, and special offers available only to Pep Boys Synchrony credit cardholders.

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
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: Special Financing

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 Pep Boys Synchrony credit card primarily offers special financing options rather than traditional sign-up bonuses. Eligibility requirements for 2026 include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and meeting Synchrony's creditworthiness criteria, which typically requires fair to good credit and a verifiable income. The main 'bonus' is often deferred interest financing (e.g., 0% APR for 6, 12, 18, or 24 months) on qualifying purchases over a specified amount, which must be paid in full by the promotional period end date to avoid interest charges from the purchase date. Cardholders may also receive exclusive discounts, early access to sales, and special offers on Pep Boys products and services.

Max Cards Per Issuer: 4

Min Spend Interval: N/A (Promotional financing terms are purchase-specific, not tied to a traditional bonus spend interval)

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive credit applications (especially with Synchrony), missed payments or delinquency on any Synchrony account, suspicious or fraudulent activity, abuse of promotional financing terms (e.g., consistent minimum payments followed by default), bankruptcy filing.

Cliff Effect Rules: Synchrony evaluates overall credit exposure across all its issued cards. While there isn't a 'card family' bonus structure, approvals for new cards or credit limit increases on existing Synchrony accounts can be impacted by the total credit extended by Synchrony to the individual, regardless of the specific card program. This means having multiple Synchrony cards, even store-specific ones, can influence future credit decisions.

Special Events: Seasonal tire sales (e.g., Spring, Fall), pre-holiday vehicle service promotions (e.g., winterization, summer travel prep), exclusive cardholder discounts on parts and services, anniversary sales, and special financing offers tied to specific product categories or service packages.

Holiday Promos: New Year's Day, Memorial Day, Independence Day, Labor Day, Black Friday/Cyber Monday (Thanksgiving week), and Christmas/End-of-Year sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Special financing offers are useful for large auto repairs/purchases; no annual fee; easy to apply.

Top Negative:
High APR after promotional period; limited acceptance outside Synchrony Car Care network; customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Discount Tire Credit Card (Synchrony)
  • Advance Auto Parts SpeedPerks Credit Card (Synchrony)
  • Capital One Platinum Secured Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0