Synchrony Car Care™ Credit Card

Synchrony Pending

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1

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: synchrony-car-care-credit-card

Issuer: Synchrony

Card Name: Synchrony Car Care™ Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:18

Last Scraped: Feb 15, 2026 15:51

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony complies with the Servicemembers Civil Relief Act (SCRA). Eligible active duty service members may qualify for benefits, including an interest rate reduction to 0% APR on balances incurred prior to active duty.

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) 1 Total
PENDING
Shopping 1
Special Financing Offers
Varies by offer (e.g., 6 months no interest)

Access to promotional financing offers, such as deferred interest or reduced APR periods, on eligible purchases made with the Synchrony Car Care credit card at participating automotive service and gas station locations. Specific offers vary by merchant and promotion, and are subject to terms and conditions.

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: $41.00
Foreign Transaction: 0.00%
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: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments are required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
One of Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility requires US residency, 18+ years old, and a valid SSN/ITIN, typically with good to excellent credit, though Synchrony may approve with fair credit for store cards. The primary benefit is promotional financing (e.g., 6 months on purchases of $199+), not a traditional sign-up bonus. Synchrony is sensitive to recent credit applications (e.g., 2-3 applications within 6 months may lead to denials) and commonly pulls TransUnion or Experian. Card usage is strictly restricted to participating automotive service locations.

Max Cards Per Issuer: 5

Min Spend Interval: N/A - Promotional financing applies to specific purchases, not a cumulative spend bonus.

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across all Synchrony accounts, excessive credit seeking (many applications in a short period), abuse of promotional financing terms, suspicious account activity, non-payment or frequent late payments.

Cliff Effect Rules: No specific card family 'cliff' rules like traditional credit cards. However, Synchrony may limit the total credit extended across all Synchrony accounts, making it harder to get new cards or higher limits once a certain cumulative credit threshold is reached.

Special Events: Frequent special financing offers for specific automotive services (e.g., tires, brakes, major repairs) or during seasonal maintenance periods (e.g., spring check-ups, winterization).

Holiday Promos: Common promotional financing periods around major holidays (e.g., Memorial Day, Labor Day, Black Friday) or specific automotive service seasons to encourage spending.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Provides essential financing for unexpected auto repairs; No annual fee; Special financing offers can be very helpful for large expenses.

Top Negative:
High interest rates after promotional period; Limited acceptance to specific auto merchants; Customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Discover it® Secured Credit Card
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Citi Custom Cash® Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0