Pep Boys Credit Card Review

Pep Boys Credit Card

Pep boys do the right thing for each client and each other and they listen openly and answer honestly. They don't wait to be told to do the right thing; they did it. They do their best to do everything they do and are proud of their success. Their enthusiasm is contagious; it encourages and motivates those around them. They are doers and problem solvers. They go beyond the scope of service and are always looking for innovative ways to improve service to customers. They think bigger and challenge each other to do the same thing. They are a trusted source of knowledge and confidence for each other and customers. They continue to build and invest in their knowledge, skills and technology to ensure that they always have the answers and choices their customers need. Open an account and apply for our Pep Boys Synchrony Car Care credit card today. With your new credit card, you can get the service and repairs you want and need.

Pros & Cons Analysis of Pep Boys Credit Card


  • exclusive cardholder promotional financing offers

  • can be used in gas stations nationwide (the purchase of gas stations does not meet the conditions of promotion financing)

  • 0% APR on new purchases during the first 12 months

  • $0 annual fee


  • high interest rate

  • above average purchase APR

  • no sign-up bonus

  • no rewards or cash back provided

Pep Boys Credit Card Highlights

No annual fee: The annual interest rate for new purchases is 0%. New cardholders can enjoy an introductory annual interest rate of 0% when purchasing new products for up to 12 months. This is a good choice for those looking for a low-maintenance card. It provides you with the benefits of a credit card, but you don't need to pay an annual fee for the privileges.


High APR: This is not a good card for those who carry a balance. Its variable annual purchase interest rate is 29.99%. According to the Federal Reserve Board, the average recurring APR for all credit cards is 15%, and accounts with balances are 17%. It has a higher than average regular APR and its variable annual purchase interest rate is 29.99%.

Need fair or better credit: If your credit score is higher than 650, you will have a good chance of approval. This card has a threshold.

FQA of Pep Boys Credit Card

  • Does Pep Boys provide gift cards?

    Pep Boys gift cards can be used for daily service, repairs or to purchase any goods in their stores. It will definitely come in handy for every driver on your list, whether it's a holiday, birthday, university farewell or just because. It can be purchased online in increments of $25, $50, or up to $1,000 in-store.
  • What credit cards does accept? accepts Visa, MasterCard, Discover and American Express. They currently do not accept personal checks, PayPal, Pep Boys Synchrony Car Care credit cards, Pep Boys gift cards or reward vouchers as payment for online orders. Please continue to check back often as they are constantly improving their website and may provide these forms as payment in the future.
  • Can I return an item to my Pep Boys store if I don't have a receipt?

    If you don't have a receipt, you can return your purchased items at their lowest selling price within the past 30 days to earn in-store points at Pep Boys. You need to provide a valid ID to return items without a receipt. If you pay by check, unfortunately, they cannot accept your return on the 15th day after the purchase date.
  • I forgot my Pep Boys Rewards Membership Card on a visit and do not know the number, can I get credit for my purchases?

    If you have previously registered a Pep Boys Rewards membership card in your account, you can. If so, just go to the "Its Rewards Account" page and use the points adjustment form on the right to submit all the information requested in the store receipt. If you have not registered your Rewards membership card on, you can also call Pep Boys Rewards Customer Service and they can help you.

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