6 Benefits of Using a Credit Card for Auto Repairs

Picture this: You're driving home after a long day at work when your car suddenly makes unusual noises and chugs to a stop. Your heart sinks—you know repairs are coming, they'll likely be expensive and you're unsure how you'll pay these unexpected bills. Credit cards, however, can provide a convenient and practical solution to these unforeseen expenses. Offering enticing benefits such as rewards, purchase protection and promotional financing, credit cards can turn a surprise repair bill into a manageable financial hurdle.
Here are some of the biggest benefits of leveraging your credit card to help you pay for an auto repair bill.

1. Points, Cash Back and Other Rewards

One underrated perk of putting car repairs on a credit card? Rewards. Many cards offer juicy incentives—think cash back, points or miles—even on expenses like auto maintenance. Use the right card, and your oil change might just help pay for your next repair. Some cards even offer introductory promotional periods with low (or no!) interest, giving you breathing room to tackle repairs without immediate interest.
Just remember to choose a card that aligns with your spending habits (travel? gas? groceries?) and financial goals, and pay off that balance monthly. Otherwise, interest may eat into your rewards.

2. Purchase Protection

Some credit cards offer purchase protection, which can cover eligible new items you buy—like car parts or accessories—if they're lost, stolen or accidentally damaged within a certain time frame (usually within 60 to 120 days).
But read the fine print: This protection typically doesn't apply to services like labor or general auto repairs. So unless you're buying a tangible, covered item (like a new set of tires or a GPS), don't count on this perk to bail you out after a trip to the mechanic. Always check your card's terms to know exactly what's covered.

3. Convenience and Tracking Expenses

Using a credit card for auto repairs isn't just about points—it's also practical. It simplifies payment, and monthly statements give you a clean, itemized record of your expenses.
That means easier budgeting, a built-in repair history and less digging through crumpled receipts when tax season or maintenance planning rolls around. Some credit cards even break down your spending by category, giving you insight into how much your car is really costing you.

4. Emergency Funding

Car trouble doesn't wait for payday. When you're hit with an unexpected repair, a credit card can act as emergency funding, giving you instant access to the funds needed to get back on the road.
Ideally, you'd cover the charge with a regular credit transaction (and pay it off quickly). While cash advances are technically an option, they come with steep fees and high interest from day one—so treat them as a last resort, not a go-to solution.

5. Building Credit

Got limited or less-than-stellar credit? Using a credit card responsibly for necessary expenses like car repairs can actually help build your credit. That means paying on time and not carrying a high balance. Responsible use shows lenders you can handle credit, which can gradually build or improve your score over time.
Just don't treat your card like free money, or that auto repair might cost more than your mechanic's bill.

6. Roadside Assistance

Some credit cards go beyond points and purchase protection by offering complimentary or discounted roadside assistance. Depending on the card, this benefit might include towing, jump starts, flat tire changes, lockout assistance or emergency fuel delivery. This can be helpful if you break down unexpectedly, especially when paired with a repair charge you're also putting on the card.
Keep in mind that not all roadside assistance programs are created equal. Some cards include the service automatically, while others require you to enroll or pay a service fee per use. Review your card's benefits guide to understand what's covered, how to access the service, and any limits or exclusions.

Tips To Help You Find the Right Card

When selecting the right credit card for auto repairs, it's important to shop around. Here are some strategies to consider:

1. Compare rewards and benefits, specifically for auto repairs

Consider rewards programs and perks specifically designed for auto-related spending. Look for credit cards that offer bonus points or enhanced cash back rates on vehicle maintenance, repairs or fuel purchases. Selecting a card tailored to your automotive expenses can deliver meaningful long-term savings.

2. Understand the interest rates and terms

Before you apply for a credit card—especially with car repairs in mind—take a good look at the interest rates, fees and fine print. Some cards offer introductory 0% APR periods on purchases, which can be a lifesaver if you're hit with a big repair bill and need time to pay it off.
For instance, the Synchrony Car Care credit card offers six months of promotional financing on eligible purchases of $199 or more. This means you can enjoy no interest if paid in full within six months. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within six months. Minimum monthly payments are required.* Pay over time and enjoy convenient monthly payments, which can come in handy if you need to do some urgent auto repairs.

3. Look for promotions and discounts

Regularly check for limited-time promotions, special discounts or exclusive cardholder deals offered through your credit card issuer's partnerships. These offers can deliver immediate savings at participating auto shops, service centers, gas stations or car washes. Taking advantage of these short-term opportunities may significantly reduce your out-of-pocket auto expenses.

Alternative Financing Options for Auto Repairs

While everyday credit cards are a viable solution for automotive repairs, they aren't the only option. Here are alternative finance methods to help you pay for car maintenance expenses when they pop up:

1. Use a personal loan

Personal loans can be a smart alternative to using a credit card for auto repairs, especially if you're facing a major bill. These loans come with fixed interest rates, set monthly payments and clear payoff timelines, making it easier to budget without surprises. Be sure to compare terms and interest rates carefully.
Compared to credit cards, personal loans often offer lower interest rates for borrowers with good credit, and they won't max out your revolving credit limit. Just make sure to compare offers carefully—look at APR, fees and repayment terms to avoid paying more than you need to.

2. Consider an "auto repair" loan

An auto repair loan is a personal loan specifically used to cover vehicle repair costs when you can't pay up front. Typically unsecured, these loans don't require collateral but may have higher interest rates. Loan amounts and repayment terms vary by lender, which impacts your monthly payments and overall interest costs. Auto repair loans can cover various expenses, including engine and transmission repairs, bodywork, windshield replacements, safety features and new tires.
Just know that “auto repair loan" is often just a personal loan in disguise, so compare your options carefully and watch the APR.

3. Buy now, pay later

Buy now, pay later programs are becoming more common at auto repair shops. These short-term financing tools let you divide the cost of repairs into smaller installments, typically paid weekly, biweekly or monthly, without relying on a traditional credit card. Many buy now, pay later programs offer zero- or low-interest options if the balance is paid off within the promotional window. However, missed payments may lead to late fees, interest charges or negative impacts on your credit score. Always review the terms and ensure the repayment schedule aligns with your budget.

4. Create an emergency fund savings

Maintaining a separate savings account for car maintenance and repairs can help prevent financial stress due to unexpected costs. A consistent savings strategy—even just $100 a month—helps ensure you have cash available when required, avoiding the need to take on high-interest debt.

Stay Ready for the Road With the Synchrony Car Care Credit Card

Car repairs aren't optional, but stress about how to pay for them can be. With the Synchrony Car Care credit card, you have the flexibility to handle unexpected repairs, routine maintenance, tires and more—without derailing your budget. Whether it's a busted alternator or a new set of brakes, the Synchrony Car Care credit card can help you stay in control and stay on the road. Learn more and apply now.

READ MORE: 10 Benefits of the Synchrony Car Care Credit Card

*A Promo Fee does not apply to this offer. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Gas station purchases are not eligible for Promotional Financing..