Pep Boys Credit Card Review: Rewards, Fees & Benefits

Rewards

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

Benefits & Protections

Benefit	Category	Value / Coverage
Online Account Management Manage your Pep Boys Credit Card account online, including viewing statements, making payments, and checking balances.	Account Management	Manage account online
Convenient Monthly Payments Make convenient monthly payments on your Pep Boys Credit Card balance.	Financial	Convenient monthly payments
No Annual Fee The Pep Boys Credit Card has no annual fee.	Financial	No Annual Fee
Special Financing on Qualifying Purchases Receive 6 months special financing on purchases of $199 or more made with your Pep Boys Credit Card. Subject to credit approval. Minimum monthly payments required. See store for details.	Financing	6 Months Special Financing on purchases of $199 or more
Exclusive Cardholder Offers Access to exclusive offers and discounts available only to Pep Boys Credit Cardholders.	Shopping	Exclusive 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 or 12 months or if you make a late payment. Minimum monthly payments required.

Fees

Annual Fee $0 — No Annual Fee

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater

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

Student EligibleYes

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 7 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (less common for store cards but still a general risk), high cumulative credit limit across all Synchrony accounts, missed payments, defaulting on deferred interest promotions, excessive product returns, suspected fraudulent activity, or significant changes in spending patterns inconsistent with typical card use.

Cliff Effect Rules

N/A - Synchrony's store cards, including Pep Boys, generally operate independently. There are no known 'card family' rules that restrict eligibility for one card based on holding or having held another Synchrony store card, nor do they typically share bonus eligibility restrictions across different store brands.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility: Applicants must be 18 years or older, a U.S. resident, and possess a valid Social Security Number or Individual Taxpayer Identification Number. Approval is subject to Synchrony's credit underwriting criteria, typically requiring fair to good credit, though store cards can sometimes be approved with lower scores. Bonus Rule (Projected for 2026): New cardholders may receive special financing offers, such as 0% APR for 6-12 months on qualifying purchases over $199, or an immediate discount (e.g., $25 off first purchase of $50 or more). Specific offers vary and are subject to change. Application Rules: Applications are typically processed online or in-store with instant decisioning common. Multiple Synchrony store card approvals are possible, but cumulative credit limits across all Synchrony accounts may influence new approvals or credit line increases.

Military & Hardship

MLA Compliant

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

Hardship Program

Hardship program available.

Pep Boys Credit Card