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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.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 29.99%

Synchrony Car Care™ credit card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 29.99%
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee $28
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
Synchrony Car Care™ credit card


  • 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 Care™ 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.


Synchrony has several card types depending on your needs.

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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.

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