HERE FOR WHAT YOUR CAR NEEDS

Keep up with regular maintenance and oil changes with help from Synchrony Car Care™. Plus, use the credit card for large purchases, like tires, brakes, a transmission and more!

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EVERYDAY AUTO EXPENSES COVERED

Use the Synchrony Car Care™  credit card for purchases large and small — from major repairs to everyday needs like gas, auto insurance, parking, car washes, and even rideshares.

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Synchrony Car Care blank card

See if you Prequalify with no impact to your credit bureau score.

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For all your car care needs

6 months promotional
financing available

on purchases of $199 or more with the
Synchrony Car Care™ credit card. *

Get gas whenever you need
it, wherever you are

with acceptance at gas stations
nationwide across all major gas brands. **

It’s safe and secure

with $0 fraud liability and no annual fee. 1

Even More Benefits

  • Ability to request a credit limit increase2
  • 24/7 secure online account access
  • Enroll in and customize account alerts

Accepted at 1 MILLION+

Auto merchant locations nationwide** including parts, repair, gas, services and more!

Explore merchants

You’ve got options with the Synchrony Car Care™ credit card. Take a look at some of the merchants where the card is accepted. **

    FAQ

    Have questions? We have answers.

    • 6 months promotional financing on purchases of $199* or more every day
    • Gas whenever you need it, wherever you are, with acceptance at gas stations nationwide across all major gas brands**
    • No annual fee1
    • Safe and Secure with $0 fraud liability
    • Ability to request a credit limit increase2
    • Exclusive cardholder discounts
    • Convenient monthly payments
    • 24/7 secure online account access
    • Customizable account alerts

    The Synchrony Car Care™ credit card is accepted at gas stations and auto parts and service businesses nationwide. A complete list of participating retailers and gas locations can be found online here.

    Simply pay as you normally would–swipe or insert your card at checkout. Promotional financing will automatically be applied to eligible purchases. It works the same when shopping online. Just enter your Synchrony Car Care™ credit card account number on the payment form at eligible online retailers.

    You can always make more than your minimum monthly payment and pay off your item(s) earlier than the promotional financing end date.

    The Promotional Summary Box on your monthly statement will clearly show the balance for each promotional financing purchase and corresponding expiration date. You can always choose to pay off your promotional balance earlier as well. Note: Deferred interest charges will be shown on each statement but will not be billed to your account unless your promotional balance is not paid in full on or before the promotional expiration date.

    You can schedule up to 12 future payments, including the date you want the payment to post to your account and the amount. You can also vary the amount, date and payment source for each payment.

    Synchrony Bank sends monthly statements to you which provide Promotional Purchase Summary Information, the Accrued Deferred Interest, and the Promotional Expiration Date. To avoid interest charges on any promotion, the promotional balance must be paid in full by the expiration date. Check your statements to ensure that your payments were received before the promotional expiration date.

    To change your email address, address, phone number, or other personal information on your account, please visit www.Synchrony.com.

    If you need to change the name on the account, please call us at 866-657-0376 Monday through Friday from 8AM — 12 Midnight (ET).

    Have a question about or want to check the status of a Rebate?

    Visit synchronycarcare.sendmyrewards.com or call 1-866-419-4001 to inquire about status.

    Note: Rebates cannot be used as a payment method on a Synchrony Car Care™ credit card account. Rebate Center Hours: M–F 9AM – 9PM ET

    Synchrony Car Care™ credit cardholders can manage their account online by registering / signing in or Chat with us (chat is unavailable in Internet Explorer) if you need additional account assistance. You may also call 1-866-657-0376 to speak to a customer service representative

    Synchrony Car Care blank card

    Ready To Get started?

    Manage all your car expenses with the Synchrony Car Care™ credit card, accepted at gas stations, auto parts and service businesses nationwide. See if you Prequalify and get a decision in seconds with no impact to your credit bureau score.

    prequalify now APPLY NOW 

    *,**Subject to credit approval. 

    * Minimum monthly payments required. For promotional financing details, . See above for merchant locations. Gas station purchases are not eligible for promotional financing. Promotional financing is available at auto merchants where Synchrony Car Care is accepted. Promotional financing is automatically applied to qualifying purchases by Synchrony, and is reflected on the account statement. No additional action is needed by the cardholder nor the merchant. 

    ** Valid everywhere Synchrony Car Care™ is accepted in the U.S., including Puerto Rico. Acceptance of the Synchrony Car Care™ credit card is also determined by the merchant category code (the "MCC") associated with the merchant. An MCC is a four-digit classification code that is assigned to a merchant by the merchant's payment card network or merchant processor based on the predominant business activity of the merchant. Synchrony Bank does not assign nor has responsibility for the assignment of MCCs or evaluates what MCC should be assigned to a particular merchant.

    1New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2.

    2Cardholders may be required to provide their annual net income if their recent information is not on file. Cardholder income will be used as a factor to determine eligibility for a credit limit increase. 

    Deferred Interest Offer

    No Interest if Paid in Full within 6 Months*

    On purchases of $199 or more made with your Synchrony Car Care™ credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 Months. Minimum monthly payments required.

    *Gas station purchases are not eligible. 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.

    Deferred Interest How it Works

    How are my monthly payments calculated?

    How long will it take to pay off my purchase?

    What is the Interest Rate and will it change?

    How do I avoid paying interest or minimize the interest paid?

    Deferred Interest Offer

    No Interest if Paid in Full within 6 Months*
    On purchases of $199 or more made with your Synchrony Car Care™ credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 Months. Minimum monthly payments required.

    *Gas station purchases are not eligible. 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, aöer 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.

    Deferred Interest How it Works

    How are my monthly payments calculated?

    • Minimum monthly payments, based on a percentage of your account balance or a minimum amount, are required in accordance with the standard account terms.
    • It is very important to note that the required minimum monthly payments may or may not pay off your promo balance by the end of the promo period.
    • If you want to ensure that your promo balance is paid before the end of the promo period (to avoid interest), you should schedule additional or larger payments accordingly.

    How long will it take to pay off my purchase?

    • There will be information on your billing statement about how long it will take to pay off your promo balance if you only make minimum payments.

    What is the Interest Rate and will it change?

    • Interest will be charged to your account from the purchase date if the promo balance is not paid in full within the promo period.
    • Although interest will accrue at the standard rate applicable to your account, it will only be assessed and added to your account as a lumpsum at the end of the promo period if the promo balance is not paid in full by the promo expiration date shown on your statement.
    • To avoid paying interest, be sure to pay your promo balance by the promo expiration date.

    How do I avoid paying interest or minimize the interest paid?

    • Pay your promo balance in full before the end of the promo period to avoid interest.
    • If you do not make a payment on time, you will be charged a late fee (see terms for details).
     

    Oferta de Interés Diferido

    Sin Interés si se Paga en su Totalidad dentro de los 6 Meses*
    en compras de $199 o más con su tarjeta de crédito Synchrony Car Care™. El interés se cobrará a su cuenta a partir de la fecha de la compra si la compra promocional no se paga en su totalidad dentro de los 6 meses. Se requieren pagos mínimos mensuales.

    *Las compras en gasolineras no son elegibles. El monto de la compra que califique debe estar en un recibo. No se cobrará interés en la compra promocional si paga el monto de esta en su totalidad dentro del período promocional. De lo contrario, se cobrará interés sobre el saldo de la compra promocional desde la fecha de compra. Los pagos mensuales mínimos requeridos pueden o no saldar el balance de la compra promocional antes del final del período promocional, dependiendo en el monto de la compra, la duración de la promoción y la asignación de pagos. Los términos regulares de la cuenta se aplican a compras no promocionales y, después de que finalice el período promocional, al saldo promocional. Nuevas Cuentas a partir del 16 de julio del 2024: APR de Compra 34.99%. La Cláusula de APR por Incumplimiento es del 39.99%. Cargo Mínimo de Interés $2. Se cargará una tarifa promocional igual al 2% del monto financiado en una promoción de pagos iguales sin interés por 18 meses o más. Titulares de tarjeta existentes: Consulte los términos del acuerdo de su tarjeta de crédito. Sujeto a aprobación de crédito.

    Interés Diferido: Cómo funciona

    ¿Cómo se calculan mis pagos mensuales?

    • Se requieren pagos mínimos mensuales basados en un porcentaje del saldo de su cuenta o un monto mínimo, de acuerdo con los términos regulares de cuenta.
    • Es muy importante tener en cuenta que los pagos mínimos mensuales requeridos pueden o no liquidar la compra antes de que termine el período promocional.
    • Si desea asegurarse de que su compra se pague antes del final del período promocional (para evitar el interés), debe programar pagos adicionales o mayores según corresponda.
     

    ¿Cuánto tiempo me tomará liquidar mi compra?

    • Encontrará información en su estado de facturación con respecto a cuánto tiempo tomará liquidar su cuenta si solamente realiza los pagos mínimos.

    ¿Cuál es la Tasa de Interés? ¿La tasa de interés cambiará?

    • Se cobrará interés a su cuenta a partir de la fecha de compra si el saldo de la compra promocional no se paga en su totalidad dentro del período promocional.
    • Aunque el interés se acumulará a la tasa regular correspondiente a su cuenta, solamente se calcularán y se agregarán a su cuenta como una suma total al final del período promocional si el saldo de la compra promocional no se paga en su totalidad antes de la fecha de vencimiento que figura en su estado de cuenta.
    • Para evitar pagar interés, asegúrese de pagar el saldo de compra promocional antes de la fecha de vencimiento.

    ¿Cómo evito pagar interés o minimizo el interés pagado?

    • Pague el saldo promocional en su totalidad antes de que termine el período promocional para evitar intereses.
    • Si no realiza un pago a tiempo, se le cobrarán tarifas por mora (para obtener detalles, consulte los términos).