Synchrony Car Care™ credit card

Synchrony Pending

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3

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: tuffy-tire-auto-service-credit-card

Issuer: Synchrony

Card Name: Synchrony Car Care™ credit card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:51

Last Scraped: Feb 17, 2026 10:53

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Financing 2
Special Financing Offers
Varies by promotion, commonly 6 months on purchases of $199 or more.

Cardholders can access special financing promotions on qualifying purchases made with the Tuffy Credit Card. These offers typically allow for deferred interest if the promotional balance is paid in full within the specified period.

Dedicated Automotive Credit Line

Provides a separate and dedicated credit line specifically for automotive expenses, helping cardholders manage their vehicle-related costs independently.

Shopping 1
Nationwide Acceptance at Automotive Merchants
Over 25,000 locations

The Tuffy Credit Card, as part of the Synchrony Car Care program, is accepted at over 25,000 Synchrony Car Care locations nationwide, including gas stations, auto parts stores, and service businesses, in addition to Tuffy Tire & Auto Service centers.

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

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Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 29.99%
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%

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
600 - 700
Good
Supported
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Tuffy Tire Auto Service Credit Card requires applicants to be at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident, possess a valid Social Security Number or ITIN, and demonstrate sufficient income to meet Synchrony's creditworthiness criteria. While specific credit score requirements are not public, approval often falls within the fair to good credit range. The primary 'bonus rule' for this store card is typically promotional financing offers, such as 0% APR for a specified period (e.g., 6, 12, or 18 months) on qualifying purchases above a certain threshold (e.g., $199, $299, $499). These are deferred interest promotions, meaning interest accrues from the purchase date if the balance is not paid in full by the end of the promotional period.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional bonus; promotional financing applies to qualifying purchases at the point of sale.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, prolonged account inactivity, significant deterioration of credit profile (e.g., bankruptcies, defaults), repeated opening and closing of Synchrony accounts, failure to adhere to promotional financing terms, and suspected fraudulent activity.

Cliff Effect Rules: No specific 'card family' or 'cliff effect' rules apply to Synchrony store cards in the same manner as general-purpose credit cards. Each Tuffy Tire Auto Service Credit Card application is evaluated independently, though an applicant's overall credit exposure with Synchrony Bank may influence approval and credit limit decisions.

Special Events: Expect seasonal maintenance promotions (e.g., Spring/Fall car care packages), specific service discounts (e.g., brake service, tire rotation deals), and exclusive cardholder-only offers throughout the year, often tied to specific service categories or minimum spend amounts.

Holiday Promos: Enhanced promotional financing offers or special discounts are commonly available during major U.S. holiday periods, including but not limited to Memorial Day, Labor Day, Black Friday, and the Christmas/New Year shopping season.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Convenient for unexpected auto repairs; Special financing offers are helpful for large purchases; Easy to apply and get approved.

Top Negative:
High APR if promotional period is missed; Limited use outside of Tuffy locations; Customer service can be frustrating.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One Quicksilver
  • Discover it Cash Back

Card Value Score: 55.0 / 100

Est. Annual Rewards: $15.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0