Synchrony

Maaco Credit Card

Credit

$0 Annual Fee

29.99% Variable Purchase APR

580+ Recommended FICO

Benefits & Protections

Benefit	Category	Value / Coverage
Convenient Monthly Payments The credit card offers the flexibility of convenient monthly payments, making it easier to manage expenses for auto repairs and services.	Financial	Convenient monthly payments
No Annual Fee The Maaco Credit Card (Synchrony Car Care™ credit card) does not charge an annual fee for card membership.	Financial	No annual fee Up to $0
24/7 Customer Service Access to customer service support 24 hours a day, 7 days a week for assistance with account inquiries, transactions, and other card-related needs.	Lifestyle	24/7 customer service
Online Account Management Cardholders can manage their account online through Synchrony Bank's portal, allowing them to view statements, make payments, and monitor account activity conveniently.	Security	Online account access
Zero Fraud Liability Cardholders are protected against unauthorized purchases with zero fraud liability, meaning they are not responsible for fraudulent charges made on their account.	Security	Zero fraud liability
Special Financing Offers Cardholders can access special financing options on qualifying purchases made with the Maaco Credit Card, allowing for deferred interest or promotional APR periods. Specific terms apply and are disclosed at the time of purchase.	Shopping	Special financing options on qualifying purchases
Wide Acceptance Network The Maaco Credit Card is accepted at over 500,000 auto merchants nationwide, including gas stations, auto parts stores, and service centers, providing broad utility for automotive needs.	Shopping	Accepted at over 500,000 auto merchants nationwide

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, 12 or 18 months.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

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 DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 8 cards from this issuer simultaneously.

Shutdown Risk Triggers

High cumulative credit limit across Synchrony accounts, missed payments, late payments, excessive credit seeking (numerous applications in a short period), unusual spending patterns inconsistent with typical Maaco services, and suspected credit abuse.

Cliff Effect Rules

Synchrony's store cards generally operate independently. However, approval for new Synchrony cards (including other store cards) is influenced by the total credit extended by Synchrony across all your accounts. Reaching a perceived maximum credit exposure with Synchrony can make it difficult to obtain additional cards, regardless of individual card performance.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility requires applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is credit-based, typically seeking fair to good credit scores. The Maaco Credit Card primarily offers special financing promotions, such as deferred interest for a specified period (e.g., 6, 12, or 18 months) on qualifying purchases, rather than traditional cash-back or points-based sign-up bonuses. Synchrony allows multiple credit card accounts across its portfolio, but approval for new cards is heavily influenced by the applicant's total credit exposure with Synchrony and their overall credit profile.

Synchrony

Annual Fee

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APR 29.99% Variable

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