The Synchrony is a personal credit card from Synchrony. Application typically pulls a hard report from TransUnion. The annual fee is $0 — no annual fee. The ongoing APR is 34.99% (new accounts as of 7/31/25) after a 0% introductory rate for 6 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: Get 10% BACK (UP TO $100) via Visa ® Prepaid Card by mail or email when you spend $500 or more with your Pep Boys credit card.. Rewards: GET 10% BACK (UP TO $100). Cash back: 10% back (up to $100) via Visa® Prepaid Card by mail or email when you spend $500 or more. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Pre-qualification available (soft pull)