Synchrony Car Care

Synchrony Car Care

in Personal Credit Cards from Synchrony Bank


Synchrony Car Care


in Personal Credit Cards from Synchrony Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Synchrony Car Care to your friends?

Thanks for your vote!

You voted: May or may not recommend

Purchase APR  (Variable APR) Starting at 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 840
Annual Fee $0

Synchrony Car Care Review

Synchrony Car Care is a store credit card issued by Synchrony Bank. If you're wondering whether Synchrony Car Care is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 29.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
Synchrony Car Care Pros & Cons
The Good The Bad
  • No Interest if Paid in Full within 6 Months on purchases of $199 or more made with your Synchrony Car Care credit card.
  • Acceptance at over 200,000 gas stations nationwide
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Synchrony Car Care reports to multiple credit bureaus.
  • Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 month
  • No rewards or points programs.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Synchrony Car Care FAQ

Is there a Synchrony Car Care cash back or rewards program?

No, Synchrony Car Care does not offer a rewards program.

What are the Synchrony Car Care benefits?

Synchrony Car Care provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Synchrony Car Care?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Synchrony Car Care has higher than average purchase APRs.

Synchrony Car Care has a variable purchase APR starting at 29.99% .

Does Synchrony Car Care have an introductory APR offer on balance transfers?

No, Synchrony Car Care does not come with an introductory APR offer for balance transfers.

Does Synchrony Car Care have an introductory APR offer on new purchases?

Synchrony Car Care does not offer an introductory rate on new purchases.
Synchrony Car Care Purchase Intro Offer
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Synchrony Car Care?

The following fees apply to Synchrony Car Care:

Synchrony Car Care Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $28
Late Payment Fee up to $39

Does Synchrony Car Care report your account activity to credit bureaus?

Yes, Synchrony Car Care reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Synchrony Car Care

  • Visit the Synchrony Car Care website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
Minimum Interest Charge $2
Returned Payment Fee Up to $28
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits Fraud Liability
Balance Computation daily balance
Purchase APR (Variable APR) Starting at 29.99%
Card Type Store Card
Card Network Other

Be the first to rate


Would you recommend Synchrony Car Care to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Other Personal Credit Cards

Synchrony Bank Personal Credit Cards