Synchrony Car Care™ Credit Card
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The Synchrony Car Care credit card is designed for large automotive expenses, offering deferred-interest promotional financing for six months on purchases of $199 or more. This card has no annual fee, but also no spending rewards. You can use it for gas as well, and it’s accepted at locations all around the nation.
Highlights & Features
Balance Transfers
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
| Intro Balance Transfer APR | N/A |
| Regular Balance Transfer APR | N/A |
| Balance Transfer Fee | N/A |
Fees
| Penalty APR | N/A |
| Late Fee | Up to $39 |
| Returned Payment Fee | $28 |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | N/A |
Cash Advances
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
Card Benefits
SECURITY
- Zero Liability on Unauthorized Charges
ABOUT THE ISSUER
Synchrony
Synchrony has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's websiteSpeak to Customer Service
866-657-0376
The Synchrony Car Care Credit Card is made for large car maintenance purchases including tires, wheels, brakes, and transmission service, but it can also be used for small purchases like car washes or gas refills.
You can use this card at over 200,000 gas stations across the U.S. and Puerto Rico, but you can definitely find a better gas card with some spending rewards. The real feature of this card is the deferred financing offer.
You’ll get six months of deferred-interest promotional financing on purchases of $199 or more everywhere your card is accepted, except gas stations. So if you pay it in full by the end of the six months, making every payment on time, you won’t pay any interest; but if you don’t pay your balance in full by the end of the promotional period, you will be charged interest for the entire balance going back to the purchase date.
This card may come in handy if you need more time to pay off a large automotive expense, but beware the high interest rate and limited use cases.
There is no annual fee.
