Synchrony Car Care™ credit card
Advertiser Disclosure
Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
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 Protection
Synchrony Car Care™ credit card
Highlights
- 6 months promotional financing on purchases of $199 or more
- No annual fee
- $0 fraud liability
- 24/7 secure online account access
- Ability to request a credit limit increase
- Use your Synchrony Car CareTM credit card for routine maintenance like gas and car washes, as well as larger automotive repairs and purchases on tires, brakes, windshields, transmissions, and more!
- Pay for scheduled maintenance and unexpected repairs over time with 6 months promotional financing on purchases of $199 or more at over 500,000 locations.
ABOUT THE ISSUER
Synchrony Bank
Synchrony Bank 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 websiteThe 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 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.
