Napa Credit Card Review

Synchrony Bank issues the Napa Credit Card. The Napa Credit Card helps car owners to manage their auto expenses easily with the help of a single Napa Credit Card. This credit card provides you with all the facilities related to your vehicle and helps you financially to handle any issue related to your auto. If you need to learn about the Napa Credit Card, then you must read the full guidance; you will love to have Napa Credit Card.

Purchase APR  (Variable APR)Up to 29.99%
Balance Transfer APR  (Variable APR)N/A
Credit Score Requireed650 – 850
Credit Score Required$0
Max Late Fee$41
Grace Period
23 days

Napa Credit Card Overview

  • No annual fee*: This credit card has no annual fee, and Napa Credit Card is a great fit for those who want a low-maintenance credit card. This credit card gives you all the auto benefits; you do not need to pay the annual fee.
  • Fair or better credit required: To approve Napa Credit Card, you need a fair to good credit score (650 to 750).

Pros and Cons of Napa Credit Card


  • Best finance options
  • It can be used at fuel stations all over the country.
  • It can be used at 25,000 Synchrony Car Care stores.
  • No annual fee
  • No annual fee


  • Napa Credit Card reports to 4 credit bureaus.
  • High-interest rates.
  • There is no signup bonus.
  • There is no cash back or reward system.
  • You don’t get rewards on your every purchase.
Napa Credit Card

This credit card can be used only in the Napa Autocare network. And Napa Autocare has the largest network of repair stores. Napa Autocare has 14,000+ plus self-owned service centers. Napa Care also has truck service centers. You can find the nearest center online if you want to take services from Napa Autocare.

Although the Napa Autocare Card has limited acceptance, it’s a good deal for you if you are a regular Napa Autocare customer because the Napa Credit Card offers good discounts and doesn’t have an annual fee.

Check this also: Autozone Credit Card

NAPA AutoCare Card’s Additional Info

  • Interest Details: You need not pay any interest if you pay the full amount within 6 months of your purchase, but your purchase should be at least $199.
  • If you qualify for repair and service purchased using the Napa Credit Card, you will get a 36 Months/36,000 miles warranty.
  • The Napa Credit Card is accepted at gas stations all over the country.
  • Get exclusive cardholder discounts.
  • Online access to manage your account.

Napa Credit Card application

You can apply for the Napa Credit Card from the official website of MySynchrony. MySynchrony offers easy monthly financing offers. You will get facilities to manage your account online and make payments, check your account balance, and other discounted offers on the MySynchrony website.

  • Go to the official website of MySynchrony
  • Find the credit card section and click on the apply button
  • Then you have to fill out the online application form with all the correct details
  • You have filled in your details like name, social security number, address, financial condition, etc.
  • After submitting the form, the application confirmation will be received in the mail.
  • If your application is accepted, your card will be delivered to your registered address.
  • You have activated your credit card, which you can use for shopping and daily expenses.

Does the Napa credit card offer any cash back or rewards?

No, Napa Credit Card does not offer any cash back or rewards. It offers only discounts.

What is the general APR of Napa Credit Card?

0% intro APR for 6 months, 29.99% APR after that

What are the annual fees for Napa Credit Card?

There are no annual fees for the Napa Credit Card. It is free of cost.

What is the Napa credit card phone number?

Napa’s credit card phone number is  (866) 226-5638.

What is the Napa credit card support email id?

Napa credit card support email id is

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