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.

• 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.

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.

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% .

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.