Synchrony Car Care™ Credit Card is a personal credit card from Synchrony. Application typically pulls a credit report from TransUnion. The annual fee is $0. The ongoing APR is 34.99% after a Deferred interest: No Interest if Paid in Full within 6 Months on purchases of $199 or more (gas station purchases not eligible) introductory rate. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.