Synchrony Car Care™ credit card

Synchrony Pending

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6

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: wheel-works-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 15:41

Last Scraped: Feb 17, 2026 15:42

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony provides a 6% interest rate cap on certain pre-service obligations for active duty servicemembers under the Servicemembers Civil Relief Act (SCRA).

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) 6 Total
PENDING
Account Management 1
Online Account Management

Easy online account management, allowing cardholders to pay bills, view statements, and manage their account online.

Financial 1
No Annual Fee
No annual fee

The Synchrony Car Care™ credit card does not charge an annual fee.

Financial Access 1
Dedicated Credit Line

A dedicated credit line specifically for tires, wheels, and automotive services at Wheel Works and other Synchrony Car Care™ locations.

Financing 1
Promotional Financing Offer
6 months no interest on purchases $199+

No interest if paid in full within 6 months on purchases of $199 or more made with the Synchrony Car Care™ credit card.

Shopping 2
Synchrony Car Care Network Acceptance
Accepted at over 25,000 locations

The credit card is accepted at over 25,000 Synchrony Car Care™ locations nationwide, providing broad utility for automotive needs.

Exclusive Cardholder Offers

Access to exclusive offers available only to Synchrony Car Care™ 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%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If your promotional offer has a deferred interest feature, interest will be charged to your account from the purchase date if the promotional balance is not paid in full by the end of the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 700
Good
Supported
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is subject to Synchrony's credit underwriting standards, which typically require good to excellent credit, though some store cards may approve with fair credit. Bonus Rule: For 2026, new cardholders are projected to receive an immediate discount (e.g., 10-15% off) on their first Wheel Works purchase or qualify for special promotional financing offers (e.g., 0% APR for 6-12 months on qualifying purchases over a certain amount). These offers are store-specific and may vary by promotion. Card use is generally restricted to Wheel Works locations or affiliated partners.

Max Cards Per Issuer: 5

Min Spend Interval: N/A (Bonuses often immediate or tied to promotional financing terms)

Shutdown Risk Triggers: Missed payments, high credit utilization across all Synchrony accounts, excessive credit applications within a short period, suspected fraudulent activity, abuse of promotional financing offers, or exceeding Synchrony's internal cumulative credit limit threshold.

Cliff Effect Rules: Synchrony generally evaluates total credit exposure across all its issued cards. Reaching a high cumulative credit limit with Synchrony may lead to denials for new applications or credit line reductions on existing accounts, rather than specific card family rules like 5/24. There are no known 'card family' restrictions for Synchrony store cards.

Special Events: Exclusive in-store discounts, tire rotation/service specials, extended warranty offers on specific products, partner promotions (e.g., discounts on related auto services), and loyalty program tie-ins.

Holiday Promos: Black Friday, Cyber Monday, Memorial Day, Labor Day, 4th of July, President's Day, and end-of-year sales events are typical periods for enhanced promotional financing or special discounts.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Useful for auto repairs and gas, promotional financing available at many locations, easy to get approved.

Top Negative:
High regular APR, deferred interest can be costly, limited rewards, customer service issues.

Approval Experience: 80.0 / 100

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

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0