Synchrony Car Care Reviews (Oct. 2020) | Personal Credit Cards

Highlights
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
Description
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?

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 can 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

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Contact

Headquarters
200 Crossing Blvd Suite 101
Bridgewater, NJ 08807
(866) 226-5638
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Availability

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

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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 - 840 850 300 500

Card Type	Store Card
Card Network	Other

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Synchrony Car Care

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