Synchrony Car Care Credit Card

6 Months promotional financing is available on eligible purchases of $199 or more*

Accepted at 1 MILLION+ auto merchant locations nationwide** including parts, repair, gas, services and more

No annual fee1

APPLY NOW
Synchrony Car Care blank card

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

prequalify now

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

FOR YOUR EVERYDAY AUTO NEEDS**

Click an icon to learn more

FOR YOUR EVERYDAY AUTO NEEDS**

Click an icon to learn more

Help make paying for routine maintenance easy with your Synchrony Car Care™ credit card. Whether you’re in need of an oil change, replacing belts and hoses or installing new windshield wipers, your Synchrony Car Care™ credit card is accepted at

And remember, is available on purchases of $199 or more made with card.*

Car washes are a great way to keep your vehicle looking clean, and admit it, driving a clean car just feels good.

Maybe you’re looking to clean salt, grime or sap off your car and a run through the local car wash will do just that. Good news, your Synchrony Car Care™ credit card can be used to pay for those routine car washes.

If your car needs a bit more attention, then maybe a car detailing is what you’re looking for. If you’ve never had your car detailed, read more about what you need to know about car detailing here.

Paying for parking shouldn’t be hard. Synchrony Car Care™ helps make it easy with flexible ways to pay.

Whether you pay for parking online, in a parking app, or at the machine or booth where you park, you can use your card. Add your card to your preferred parking apps and make it a seamless way to pay for parking on the go.

No matter how you pay for tolls, there are options with your Synchrony Car Care™ credit card.


Load your card into your toll account for seamless toll payments with your card.


Use your card when you go online to load your toll account or pay individual toll payments.


When you’re traveling and run across a toll and need to pay, use your card to make a payment at the booth.

Need to take a rideshare or taxi?

Your Synchrony Car Care™ credit card is an easy option to pay when you take a rideshare or taxi. You can load your card into your rideshare apps or pay with your card after your ride. Synchrony Car Care helps make it easy to reach every destination — no matter if you drive or find a ride.

LARGER PLANNED & UNPLANNED AUTO EXPENSES**

Click an icon to learn more

LARGER PLANNED & UNPLANNED AUTO EXPENSES**

Click an icon to learn more

Repairing or replacing tires is a very important and sometimes expensive purchase.

Good thing your Synchrony Car Care™ credit card offers on purchases of $199 or more.*

So you don’t have to risk your safety by putting off repairing or buying new tires when the need arises.

Get more info about tires & wheels.

In need of parts to repair your vehicle? Looking to add some accessories? Your Synchrony Car Care™ credit card is accepted at auto parts stores nationwide.

And remember, is available on purchases of $199 or more made with your card. *

Whether you are renting a car at your destination, to get to your destination or even to use for your daily needs while your car is in the shop, it’s easy.

Plus, for car rentals $199 or more, you can take advantage of that is available when you use your card.*

So, you can use your card when you need to rent a car and keep all your auto expenses in one place.

Larger maintenance and repairs for your vehicle may come at an unexpected time, but with your Synchrony Car Care™ credit card you don’t have to worry about how you’ll pay for them.

No matter what the job is, it’s easy to find a location near you. With acceptance at you can find the auto services you need.

And remember, is available on purchases of $199 or more made with your card*, so you can get the repairs you need today and pay over time.

Paying for auto insurance is easy with convenient ways to pay.


Avoid the insurance company's installment fees when you pay your premiums in full.


Add your Synchrony Car Care™ credit card as your preferred payment with your insurance company and set up convenient automatic payments.


Accidents happen. When they do, you can use your card to pay the deductible and get back on the road quickly.

Accepted at 1 MILLION+

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

Explore merchants

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

    Explore offers from Synchrony Car Care™ partners

    Articles & Inspiration

    VIEW MORE TOPICS

    Download the app

    Find nearby gas stations and auto service locations, manage your account, and access offers – on the go!

    MySynchrony App Download on the App Store MySynchrony App Get it on Google Play

    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

    Ready To Get started?

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

    Prequalify now APPLY TODAY Activate Card 

    *,**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 7/31/25: 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. 

    3NO PURCHASE NECESSARY. Legal residents of the 50 U.S. (including D.C., and other US territories), 18+ who have a Synchrony Outdoors credit card; Synchrony Sport credit card; Cutting Edge credit card; Synchrony Music & Sound credit card; Synchrony Sewing & More credit card; Synchrony Car Care; Synchrony HOME credit card; and/or Synchrony Luxury credit card as of 7/28/2025. Void where prohibited. Ends 9/7/2025. For Official Rules including odds, free method of entry, and prize descriptions visit Liveyourbestlifesweepstakes.com. Sponsor: Synchrony Bank. 

    Apple and the Apple logos are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. 

    Google Play and the Google Play logo are trademarks of Google LLC. 

    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 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. 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 31 de julio del 2025: APR de Compra 34.99%. La Cláusula de APR por Incumplimiento es del 39.99%. Cargo Mínimo de Interés $2. 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).