YOUR CARD COLLECTION
Exploring your options…
Loading the catalog.
Loading the catalog.
None — financing only
Added 2026-10-29 (Synchrony sweep). Closed-network auto card — neither Visa nor Mastercard — accepted at 1M+ auto merchants including gas stations nationwide, parts, repair and service. No rewards. 6-month promotional financing on $199+ (gas purchases not eligible). This is the underlying product behind Discount Tire / America's Tire, Pep Boys, NAPA, Midas, Meineke and similar Car Care co-labels. Promotional financing is mostly deferred interest — interest is retroactive to the purchase date if the balance is not paid in full in the promo window.
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Everything (flat rate — no bonus categories) | — | — | No rewards program — value is promotional financing / store credit, not an earn rate. |
No standard bonus reported
No universal public welcome bonus — only occasional targeted / channel rebates (e.g. up to $150 statement credit on $199+ via Discount Tire through 12/31/26).
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Synchrony application rules
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Confirmed no public bonus in the Oct 2026 research pass (Synchrony catalog / partner pages).
Offer type, as listed: No sign-up bonus