Deferred Interest Offer

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

*No interest will be charged on the promo purchase if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo purchase from the purchase date. The required minimum monthly payments may or may not pay off the promo purchase by the end of the promo period. Regular account terms apply to non-promo purchases and, after promo period ends, to the remaining promo balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their cardholder agreement for their applicable 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 purchase by the end of the promotional period.
• If you want to ensure that your purchase is paid before the end of the promotional 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 account 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 promotional purchase balance is not paid in full within the promotional 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 lump sum at the end of the promotional period if the promotional purchase balance is not paid in full by the expiration date shown on your statement.
• To avoid paying interest, be sure to pay your promotional purchase balance by the expiration date.

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

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

No Interest if Paid in Full within 6 Months*
on purchases of $199 or more made with your 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.

*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 5/30/24: Purchase APR 34.99%. Cash APR 34.99% and 5% Fee ($10 min). Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Gas station purchases are not eligible for Promotional Financing.

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 purchase by the end of the promotional period.
• If you want to ensure that your purchase is paid before the end of the promotional 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 account 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 promotional purchase balance is not paid in full within the promotional 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 lump sum at the end of the promotional period if the promotional purchase balance is not paid in full by the expiration date shown on your statement.
• To avoid paying interest, be sure to pay your promotional purchase balance by the expiration date.

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

• Pay your promotional balance in full before the end of the promotional 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 . 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.

*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 30 de mayo del 2024: APR de Compra 34.99%. APR por Efectivo 34.99% y Tarifa del 5% ($10 mínimo). Cargo Mínimo de Interés $2. Titulares de tarjeta existentes: Consulte los términos del acuerdo de su tarjeta de crédito. Sujeto a aprobación de crédito. Las compras en gasolineras no son elegibles para Promociones de Financiamiento.

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).