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Last Updated: 05/14/2026

Synchrony Car Care™ Credit Card

from Synchrony Bank

Last Updated: 05/14/2026

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Synchrony Car Care™ Credit Card logo
Strongly not recommended11 total votes
1 users recommend
1 users are unsure
9 users don't recommend

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Highlights

Community Rating

Strongly not recommended

Purchase APR (Variable APR)

Up to 29.99%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

650 - 850

Annual Fee

$0

Number of Reviews

11

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Synchrony Car Care™ Credit Card Review

This is a store card issued by Synchrony Bank. If you're wondering whether Synchrony Car Care™ Credit Card is the right card for you, read on.

Key Takeaways

  • 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.
  • Fair or better credit required. You will have good approval odds if you have a fair credit score or better.

Pros & Cons of Car Care credit card

Car Care credit card FAQ

Does Car Care credit card have a cash back or rewards program?

No, it does not offer a rewards program.
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Car Care credit card?

It has a variable purchase APR of up to 29.99%. Synchrony Car Care™ Credit Card does not offer balance transfers.

Does Car Care credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers. Synchrony Car Care™ Credit Card does not offer balance transfers.

Does Car Care credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Car Care credit card?

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

What is the customer service phone number for Car Care credit card?

The customer service number for Car Care credit card is (866) 226-5638.

What is the support contact email for Car Care credit card?

The support contact email for Car Care credit card is customer.service@mail.synchronybank.com.

How do people rate the customer service and user experience of Car Care credit card?

Overall, Car Care credit card is strongly not recommended based on community reviews that rate customer service and user experience.

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

Yes, Synchrony Car Care™ Credit Card reports to the following credit bureaus:
  • 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 build your credit.

Does Synchrony Bank perform a hard credit pull?

Yes, Car Care credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Car Care credit card

  • Visit the website of Car Care credit card.
  • 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: SuperMoney.com 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.

Contact

Headquarters

777 Long Ridge Rd
Stamford, CT 06905
Visit Site
Email Support

Hours of Operation

Sunday
8:00AM - 12:00AM
Monday
8:00AM - 12:00AM
Tuesday
8:00AM - 12:00AM
Wednesday
8:00AM - 12:00AM
Thursday
8:00AM - 12:00AM
Friday
8:00AM - 12:00AM
Saturday
8:00AM - 12:00AM

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Page 1 of 11

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -73, or 1.5 on a 5-point rating scale.

-73

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Synchrony Car Care™ Credit Card Community Reviews

Would you recommend Synchrony Car Care™ Credit Card to your friends?

MC

Maria C.

Nov 11, 2022

May or may not recommend

Hello, I would not recommend these banks because my husband uses the card at the dentist and he is paying interest month by month on the amount he owes, then after 6 months they raised 1,250 more interest because they say that the promotion is for 6 months, these companies are charging double interest so what they are is that they are stealing people's money I let them know so ...Show More

DG

D G.

Feb 16, 2022

May or may not recommend

Got the card use it one time mad my payments on time even paid it off early four months later they reduced my credit amount which dropped my score so I never used it again because the amount wasn’t enough to do repairs on my truck…so now a few months later that sent me a later that they closed my account with some lame excuse so beware this card ...Show More

PM

Patricia M.

Nov 26, 2021

May or may not recommend

I've had a lot of credit cards and quite a few through synchrony and I have never ever ever ever ever had to deal with ruder people on the phone than I have in the last week trying to deal with my synchrony car Care credit card I was even put on hold for 25 minutes and then hung up on so when I called back for the third time ...Show More

U

Anonymous

Apr 13, 2021

May or may not recommend

Does not work like a standard credit card. I have been trying to use it to buy different car parts but because these businesses are not affiliated with synchrony car care the card is not able to go through for items like windshields, car batteries, etc and therefore is useless and frustrating to even have.

KR

Kenneth R.

Nov 18, 2020

May or may not recommend

My Synchrony Car Care credit card linked with Pep Boys was very helpful to open at an important time. I was able to qualify with a moderately good credit score. It helped me spread the cost of necessary car repair over time and it enables me to buy gas without using up cash I need to pay other bills. The fact that it is a limited-purpose credit card helps me ...Show More

VA

Victor A.

Nov 3, 2020

May or may not recommend

I have read a lot of bad reviews for this card, but I think this card is an "It is what it is" card. I bought a truck topper with it. After my initial purchase I had six months to pay the payment in full and not be charged interest. I would never get this card as a credit card because of the high interest, but it did serve the ...Show More

JP

Jacob P.

Oct 2, 2020

May or may not recommend

This card is really only okay for someone just starting to build their credit. Even then I wouldn't really recommend it. Synchrony Bank has very high interest rates and doesn't offer any sort of benefits that make this card worthwhile. Overall, I wouldn't recommend it. There are cards out there that offer much more than this in terms of APR and perks.

BM

Brian M.

Aug 10, 2020

May or may not recommend

Closed my account without any communication due to inactivity for 4 years. Account had been active since 2007 with no past due payments or any outstanding balance. Their customer service stated there was a clause in the terms and conditions that said they could close the account due to inactivity at any time but did not state a time frame nor have to notify customer of cancellation. Very poor customer ...Show More

Leah G. avatar image

Leah G.

Jul 22, 2020

May or may not recommend

This company flagged my account as delinquent on accident, destroying my credit history. DO NOT USE THEM EVER.

U

Anonymous

Jan 26, 2020

May or may not recommend

It was easy to apply for the credit, but once you have it, it's almost impossible to pay down. The customer service does not exist. The payment due date is moved up by close to a week almost monthly, so keep an eye on the due date, or you will be charged a $39 late fee on top of the $30 + monthly interest.

Shawn B. avatar image

Shawn B.

Oct 12, 2019

May or may not recommend

I applied for this card and was sent a phone number to call to finish the application. I called the number and reached a representative who bascally kept me on the phone for ten minutes constantly apologizing for her incompetence just to tell me i was declined. Why would you waste someones time having them call in to tell them no when you can just do it and keep it ...Show More

Showing 11 of 11 reviews

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