10 Benefits of the Synchrony Car Care credit card

Spending & Credit>Road Trips & Travel

April 10, 2024 | Read time: 5

If you own a car and drive it frequently, you'll want a credit card that you can rely on in case of a car emergency while you're on the road. The Synchrony Car Care credit card is accepted at over 1 million auto merchant locations nationwide1 including parts, repair, gas, services and more.

However, it also comes with additional perks you may not be aware of. Here are 10 benefits of the Synchrony Car Care credit card.

1. Six months of promotional financing

When you use your Synchrony Car Care credit card for purchases of $199 or more, you get access to six months of promotional financing. 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 required2.

Pay over time and enjoy convenient monthly payments, which can come in handy if you need to do some urgent auto repairs.

2. Pay for gas whenever you need it, wherever you are

The Synchrony Car Care credit card is accepted at gas stations nationwide. This even includes gas stations in Puerto Rico. All major gas brands accept the card, so you shouldn’t have any issues filling up your gas tank.

3. No annual credit card fees

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. the Synchrony Car Care credit card can be convenient for drivers looking for the perks of a credit card without an annual fee.

4. $0 fraud liability

If unauthorized purchases are charged to your Synchrony Car Care credit card, you're covered, thanks to the $0 fraud liability included with the card. Of course, you should always keep your information safe. Keep your card in a secure place and never share personal details unless necessary.

5. Flexibility to request a credit limit increase

When you open a Synchrony Car Care credit card account, you're automatically assigned a credit limit. However, if you want to request a credit limit increase, you can simply request one online or with a phone call.4 A higher credit limit can be beneficial for those who need increased purchasing power.

6. Exclusive cardholder discounts

One major draw of the Synchrony Car Care credit card is the exclusive cardholder discounts. As you can imagine, many of the discounts are geared towards drivers. There are also limited time offers available through Synchrony Car Care partners, so be sure to check your account frequently.

7. 24/7 secure online account access

With 24/7 secure online account access, you can review your Synchrony Car Care credit card account details at your convenience. With your online account, you can check your current credit card balance, pending transactions and posted purchases.

8. Customizable account alerts

With the Synchrony Car Care credit card, you can receive customized servicing alerts, such as upcoming payment reminders. Receive the emails that you need to manage your account with us.

9. A credit card dedicated to automotive purchases

Many credit cards focus on travel, cash back and general rewards. With the Synchrony Car Care credit card, you're getting a credit card that's dedicated to automotive purchases. When you need to make a car-related purchase (tolls, rideshare/taxis, gas, auto repairs, tolls, parking, auto insurance etc.), you can have peace of mind knowing that your card is accepted at over one million locations across the United States and Puerto Rico.

In addition to the many benefits of the Synchrony Car Care credit card, you can also easily locate retailers that accept the card in your area. With the MySynchrony Mobile App, you can securely log in to view your account details and make payments. If approved for a Synchrony Car Care credit card, you'll have access to a revolving line of credit to use again and again on auto expenses, plus have access to promotional financing on qualifying purchases of $199 or more.

10. Major merchant partners

The Synchrony Car Care partners list continues to grow. There are a plethora of ways for you to use your card, including purchasing parts, car repair services, gas and even auto insurance.

To locate a merchant near you, be sure to visit our locator page to view available options.

The bottom line: Apply for the Synchrony Car Care credit card now

Frequent drivers should consider the Synchrony Car Care credit card since it has no annual fee, is accepted at 1,000,000+ merchant locations and offers exclusive cardholder discounts. Applying for the credit card is easy as it can be done online and it only takes a few minutes to fill out an application.

1Subject to credit approval. Valid everywhere Synchrony Car Care is accepted in the U.S., including Puerto Rico. Click here for merchant locations.

2Qualifying 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. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Gas station purchases are not eligible for Promotional Financing.

3New 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 should see their cardholder agreements for their applicable terms.

4Cardholders 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.

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