Synchrony

Jiffy Lube Credit Card

Credit

$0 Annual Fee

29.99% Variable Purchase APR

580+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Purchases The Jiffy Lube Credit Card is a deferred-interest promotional financing product issued by Synchrony Bank for oil change and auto maintenance purchases at Jiffy Lube locations and does not earn rewards, points, miles, or cash back on purchases.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Special Financing Options Cardholders can access special financing options for purchases made at participating Jiffy Lube service centers. Specific promotional terms, such as deferred interest or interest-free periods, are subject to credit approval and vary; details are available at participating Jiffy Lube locations.	Financing	Varies by promotion; see participating Jiffy Lube locations for current offers.

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantAllowed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

High credit utilization across Synchrony accounts, defaulting on payments, opening too many Synchrony accounts in a short period (indicating high credit seeking behavior), significant negative changes in credit profile, or extended periods of account inactivity.

Cliff Effect Rules

Not applicable. Synchrony store cards, including the Jiffy Lube Credit Card, are generally independent products without 'family' restrictions that impact approvals for other cards within the same issuer's portfolio.

International Friendly

May have limitations for international use.

Additional Issuer Rules

The Jiffy Lube Credit Card, issued by Synchrony, primarily offers special financing promotions rather than traditional sign-up bonuses. A common offer is 6 months no interest on purchases of $199 or more, with interest accruing from the purchase date if the balance is not paid in full by the end of the promotional period. Eligibility requirements for application include being 18 years or older, possessing a valid U.S. Social Security Number (SSN) or Individual Tax Identification Number (ITIN), having a physical U.S. mailing address, and demonstrating verifiable income. Approval is subject to Synchrony's underwriting criteria, generally requiring fair to good credit.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Synchrony

Annual Fee

Apply Now

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APR 29.99% Variable

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