Synchrony Car Care™ Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and customer service info for The Synchrony Car Care™ Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Synchrony Car Care™ Credit Card has a rating of 2.5/5 according to our proprietary credit card rating system. This rating reflects how appealing Synchrony Car Care™ Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Improve Credit by Paying in Full Each Month'. To break it down further, Synchrony Car Care™ Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.3/5 for Cost, and 3.4/5 for User Reviews. Info about the Synchrony Car Care™ Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.4/5
92 reviewsRead and write reviews
Market Comparison
Market Comparison
2.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.3
Other Features
0.0
2.5/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
34.99%
Balance Transfer
Balance Transfers Not Allowed
Synchrony Car Care™ Credit Card's Additional Info
Special financing available at participating locations.
Consolidate all of your repair and maintenance expenses to easily manage your car and truck needs.
Get gas whenever you need with acceptance at gas stations nationwide across all major gas brands.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.4
Market Comparison
2.5
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 0.0
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.6
User Reviews
3.9
Market Comparison
4.0
fees: 2.9
rewards: 3.8
cost: 4.7
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.6
Market Comparison
4.2
fees: 4.3
rewards: 5.0
cost: 4.3
APR: 3.8
(92)
(459)
(2,950)
annual fee$0
annual fee$95
annual fee$0
rewards rateNone
rewards rate 1 - 10 points / $1
rewards rate 1 - 3% Cash Back
bonus offerNone
bonus offer 60,000 points
bonus offer As High As $200 Cash Back. Find Out Your Offer.
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% (min $5)
Can't find what you are looking for? Submit your question about Synchrony Car Care™ Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
No, you cannot use your Synchrony Car Care™ Credit Card anywhere you want, as you can only use it for purchases at certain gas stations, auto parts stores, and auto repair shops nationwide. The Synchrony Car Care™ Credit Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Synchrony Car Care™ Credit Card offers accountholders special financing and has an annual fee of $0, so it might be worth getting for people who shop at Synchrony Car Care locations often.
The Synchrony Car Care™ Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Synchrony Car Care™ Credit Card.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Synchrony Car Care™ Credit Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
You cannot get a cash advance with Synchrony Car Care™ Credit Card. The Synchrony Car Care™ Credit Card can only be used for purchases at certain gas stations, auto parts stores, and auto repair shops nationwide.
The fact that Synchrony Car Care™ Credit Card cash advances are not an option might be a good thing. Cash advances are very expensive because as soon as you withdraw the cash, a cash advance fee and a separate cash advance APR will apply. There may also be ATM-owner fees,...
The Synchrony Car Care™ Credit Card is neither a Visa nor a Mastercard. This is an auto care credit card that can only be used for purchases at gas stations, auto parts stores and service businesses nationwide. You can use the issuer's online tool to see exactly what businesses near your location accept the card.
If you're looking for an auto care credit card that's on a major payment network (Visa, Mastercard, etc), then check out the Sam's Club® Credit Card. Because...
Share your insights and review for the Synchrony Car Care™ Credit Card
5
41%
4
16%
3
10%
2
11%
1
22%
3.4
92 reviews
92 reviews
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indijent @indijent
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1 Star Rating
I would not refer anyone Synchrony Car Care Credit Card. Staff, including supervisor, spoke in a very uneducated, nasty, and hostile manner. Issue was their error! Loyal customers mean nothing to them!!!
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karenm3_1 @karenm3_1
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3 Star Rating
I've used both the Synchrony Car Credit and Care Credit cards for years. I've always been able to pay off the balances before having to pay interest, most often by paying the minimum required. Within the last year or so, however, things have changed.
First, not all promotional purchases are interest-free until the expiration date - some have had an interest rate applied from the beginning (although at 17.9% versus the 32.99% they charge if you don't pay off by the expiration date).
Second - and more disturbing - is that payments are often not applied to the promotional purchase that is expiring the soonest. For instance, I have a promotional purchase that expires at the end of this month. When I made a payment a few days ago, none of that payment was applied to that promotional purchase. Instead, it was applied to a promotional purchase that expires nearly a year later. Getting this resolved required calling them. I was told it may take several cycles to make the correction. Since this promotional purchase expires in a week, it's not clear whether or not I will be charged the deferred interest.
When I asked how to avoid this in the future, I was told to call them to make the payment rather than do it online.
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Maria Greenhalgh @imagre1
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1 Star Rating
Stay away from this company. They closed my account for no reason. I've made my payments on time every month, and I never went without using my card, yet they closed it due to inactivity, which is not right. I'm paying my card balance down, and they're continuing to charge me interest, so basically, if you don't pay it off right away, you can't pay it down very fast! Do your research before signing up for this card as there are lawsuits against this company.
I am half tempted to let it go to a collection agency so they can't get any more interest out of me. If they do get any more interest, it would be from this time until the time it went to the collection agency, which may result in less interest to pay while I was trying to pay it down.
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Rizalino Dalangin @risd1025
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1 Star Rating
Synchrony Bank is a joke. I was offered by their partner car shop a 12-month no-interest payment for an amount of $5,000. The first billing came with a minimum payment of $183. I paid $354 monthly instead, from January to June, dividing the $5,000 by 12 months. When I made my July payment, that was the time I saw they were charging me $583 interest for paying past 6 months. They said what was approved for me is only six months. Either I pay the balance of $1,500 or be charged the interest altogether.
The back and forth with their customer services went on, and I got so exasperated that I was forced to pay the balance of $1,500, expecting that they would remove the interest charges. They did not. According to them, I paid the balance after the 6-month period had elapsed. I told them there was a discussion ongoing; that's why. Another round of exchanges resulted in an agreement that they proposed. The partner shop should call and confirm that they wrongly charged me for the 12-month no-interest payment, and after confirming this, they shall work back and remove all the interest charges due to me. The car shop did, but Synchrony only removed the penalties and not the interest. Currently, the shop has called them, but the customer service alleged that they cannot do anything. Am planning to file a case vs synchrony.
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whuser76956813 @whuser76956813
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5 Star Rating
This is a lifesaver for emergency car repairs. It's interest-free for 6 months when the charge is over $199. We needed to do a $1500 repair, and we didn't have it at all. I finished payments within 6 months, so I was not charged any interest.
This is only a good card for amounts over $199. Smaller transactions accrue high interest, and payments are applied to interest-free balances first, like most credit cards. People aren't reading the fine print.
I can't believe people are complaining about the high interest because they failed to finish payments before the 6 months were over. They made the agreement! It's spelled out in black and white. No other credit card company has this kind of deal.
I also use Synchrony for Care Credit for my veterinary expenses and the Rheem Card for a huge plumbing job at my house. All thousands of dollars borrowed interest-free because I make sure I pay off the balances before the promotional period ends. My regular mechanic and plumber accept these cards. Those cards have longer promotional periods depending on the amount charged (i.e., 12 months for over $1000, 48 months for over $4000, etc.).
Synchrony allows me to respond to life's emergencies without getting overcharged with high interest.
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Mike RH @MrMikeH
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1 Star Rating
They hit you with the deferred interest and boom... you call them and they say, "NOPE, WE CAN'T DO ANYTHING..." Customer service is the worst. "Mitch" especially... what a fake name they give. Oh well, I'm going to cut this card up and share my horrible experience with everyone.
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looser looser @Cwk960649
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1 Star Rating
The Synchrony Car Care credit card is a joke. I needed to get new rear struts for the car, and I bought them via Amazon. Amazon has parts stores that sell parts via the Amazon website. Well, I said, why not use my car care card? It's supposed to be for buying parts like batteries, tires, oil, but because it's Amazon, Synchrony Bank declined my card. They expect us to go to the parts store and pay an astronomical amount of money just so we can use the car care card. It's a joke. I do all the repairs to my own car. The only time I let Toyota do something was with the airbag recall, and they tried to give me back my car with my dashboard gouged. They tried to sand it and paint it. That's why no one will ever touch my car again, seeing that I'm a certified master technician who worked for Ford Motors, now retired due to a severe injury.
People who can repair their own car, stay far away from the Synchrony Car Care card. And on top of that, they hit you with a 34.9 percent interest rate. So, if you don't pay the bill off at the end of the month, it's going to cost you a heck of a lot more money. It's a bad card, stay far away.
When I need parts, I look around for the best price. If you go to the store for parts, you're going to pay a 100% markup. I won't do that. If you look around for just a little while, you'll find what you need cheaper, and 90% of the time it's the same brand that you were going to pay double for at the parts stores. I wish I could leave no stars.
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Natalie @nataliastar30
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3 Star Rating
Verified Customer
It's a decent card if you have a large emergency car issue and need to pay it off by or before the 6th month promo offer ends. I'd rate it 5 stars, but they charge you to make each payment (it's not interest) and the APR wasn't so high. I pay it off monthly (excluding the promotion purchase) when my new purchases are at $250 or under. It really could be a better card without the payment fee, and I'd definitely use it more if that fee was eliminated and the APR was lower.
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jesse jones @jesseboy31
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1 Star Rating
They canceled my card after three years with near-perfect payment history because I fell behind on my mortgage, which had nothing to do with the card. I would give this place a 0 rating if I could.
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Mary Bouffard @mbouffard13
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1 Star Rating
The worst customer service. When an agent no longer wishes to respond to your inquiry, you will be placed on hold and then disconnected. Use of non-promotional and promotional charges can be allocated. I choose to pay non-promotional charges in full to avoid interest and make a partial payment on promotional charges before the expiration date. In this world, there is no interest accruing. But for the last four months, I have requested my payments to be reallocated so that non-promotional is paid in full and the balance goes to promotional charges before expiration. Care Credit is getting sneaky and applying payments so that interest accrues. I filed four disputes over my allocation requests. I have received four different answers as to why my instructions were not honored. The interest is very small, $4.12, but I should not have any interest charges. I will never use this card except for promotional charges that are interest-free when paid within the time frame allowed. I can do this, but agents at Care Credit do what they want. If you cannot afford payments under the promotion, then do not apply for this card. The interest is 39.99%. This is not a typo! Customer service is awful.
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* The information about the following cards has been independently collected by WalletHub: Summit Racing Equipment Credit Card, Tires Plus Credit Card, Pep Boys Credit Card, Synchrony Car Care™ Credit Card, and Sam's Club® Credit Card.
