Synchrony Car Care™ Credit Card
Basic Information
Program ID: synchrony-car-care-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:18
Last Scraped: 01/15/2026 07:56
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| 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: 2,999.00% - 3,199.00%
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: 3,199.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: As of January 2026, the Synchrony Car Care credit card primarily offers promotional financing as its welcome incentive, rather than a traditional sign-up bonus (e.g., cash back or points). Therefore, there is no specific bonus approval timing for a quantifiable sign-up bonus.
Rewards Program
Reward Type: Special Financing
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special financing offers on automotive services and parts at participating Synchrony Car Care locations. Typically, 6 months special financing on purchases of $199 or more, or longer terms for larger purchases, subject to credit approval and promotional terms.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Special financing terms apply to individual purchases and are subject to the promotional period. No points or cashback to expire.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: The Synchrony Car Care credit card primarily offers deferred interest financing promotions (e.g., 6 months 0% APR on purchases over $199) rather than traditional sign-up bonuses. Eligibility for application requires individuals to be at least 18 years old, a U.S. resident with a valid Social Security Number or ITIN, and possess sufficient income and an acceptable credit history. Application is subject to credit approval. This card is a closed-loop store card, meaning it can only be used at participating Synchrony Car Care locations and authorized automotive service merchants within the United States.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: N/A for traditional sign-up bonuses; promotional financing terms apply to specific purchases.
Shutdown Risk Triggers: Excessive credit exposure across Synchrony accounts, late or missed payments, default on promotional financing terms, suspected fraudulent activity, or breach of cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Widely accepted at gas stations, auto parts, and service businesses nationwide. Offers special financing on purchases, useful for unexpected repairs and managing large auto expenses.
Top Negative Feedback:
High APR if promotional financing is not paid off by the end of the promotional period. Some users report issues with customer service or lower-than-desired credit limits.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Discover it Cash Back
- Citi Custom Cash Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% Auto-Specific Network
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0