Synchrony Car Care Credit Card (2024)

FAQs

Is it easy to get approved for Synchrony? ›

Getting approved for a Synchrony Bank account is generally easy—unless you've had a troubled banking history. Getting approved for a Synchrony credit card may not be as hard as other cards.

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.

Generally, a credit score of at least 600 is required to be considered for a Synchrony credit card or store card. However, certain cards may require a higher credit score, typically around 660 or higher.

To qualify for the CareCredit credit card, you need a credit score of 640 or more, which is in the fair credit score range for FICO®.

The Synchrony Premier World Mastercard®, which offers 2% cash back on every purchase to individuals with excellent credit (FICO scores of 720 or higher). The Synchrony Plus World Mastercard, which is designed for those with at least good credit (scores of 690 or higher) and earns 1% cash back on every purchase.

While credit scores are very important, Synchrony Bank credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. Synchrony Bank will also look at existing debts when considering your application.

The CareCredit credit card is accepted at hundreds of thousands of locations, including partners like Walgreens, Walmart®, and Sam's Club*.

CareCredit Interest Rates

With the CareCredit card, you have an up to $25,000 credit limit. That can cover a wide spectrum of medical procedures or treatments. You have several financing options to choose from and can get financing of 6, 12, 18 or 24 months for costs exceeding $200.

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.

For instance, Synchrony Bank uses the VantageScore 4.0 scoring model when evaluating credit card applications.

Is Synchrony a hard credit check? ›

Yes, Synchrony Bank does a hard inquiry on your credit report whenever you apply for one of its credit cards. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time.

While Synchrony does not have a “Shopping Cart Trick” like Comenity Bank credit cards to make approvals much easier, they are still considered a bank that is more likely to approve applicants. To give yourself the best chance of approval, make sure you take care of your credit score.

Common Reasons Credit Card Applications Get Denied

Low income: Consider ways to increase your expected annual income and review what the application allows you to include as income. Listing all your eligible income might increase your chances of getting approved.

If you're considered high-risk, you may be denied or offered a loan with a very high interest rate. If you have good credit and a low debt-to-income ratio, the lender may approve you and offer you its most competitive rates. Even if you're approved, you aren't required to take the loan.

High credit limits, combined with the ease with which CareCredit cards can be obtained, mean that they can be a good way for people with a poor credit history to pay for medical bills. Be warned, though, that CareCredit cards can be expensive if you aren't able to make your repayments on time.

By providing your social security number, Synchrony will attempt to find your information to expedite your request. You consent to Synchrony Bank sending you a one-time text to the mobile phone number you have provided. Standard text messaging rates may apply.

What Are the Disadvantages of Synchrony Bank? Synchrony Bank has no physical locations for in-person banking. The online bank has no checking account. Synchrony customers can manage their accounts and get support 24/7 through its mobile app and automated phone service, but it offers limited live customer support.