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Does AutoZone Have a Credit Card?

Hey there, fellow car enthusiast! I’m sure you’ve been in this situation before: you’re cruising down the road, enjoying the scenery, when suddenly your car starts acting up.

You pull over to the side of the road, heart pounding, and realize you need some serious repairs.

But you’re short on cash, and you don’t want to put those repairs on your already maxed-out credit card.

Well, I have some good news for you! AutoZone, one of the country’s most popular auto parts retailers, offers a credit card that can help you cover unexpected car expenses.

We will discuss the AutoZone credit card in detail, exploring its benefits, rewards, and application process. So, whether you’re a seasoned mechanic or a DIY car enthusiast, this article is for you.

Understanding AutoZone’s Credit Card

AutoZone has partnered with Synchrony Bank to offer the Synchrony Car Care™ credit card. This card can be used for purchases at AutoZone and other participating businesses, such as gas stations, tire shops, and auto repair shops.

The AutoZone credit card offers a variety of benefits, including:

  • Special financing options: The card offers 0% APR on purchases for 6 months (on approved credit)
  • Cashback rewards: Earn 5% cashback on AutoZone purchases and 2% cashback on gas station purchases (on the first $6,000 in combined qualifying purchases each quarter)
  • Discounts on AutoZone purchases: Get discounts on AutoZone purchases, such as 10% off your first purchase with the card
  • Other perks: The card also offers other perks, such as roadside assistance and extended warranty coverage

Exploring the AutoZone Credit Card Application Process

Applying for the AutoZone credit card is a straightforward process that can be done online or in-store. To apply online, you’ll need to provide some basic information, such as your name, address, date of birth, and Social Security number. You’ll also need to provide your income and employment information.

Once you’ve submitted your online application, you’ll receive a decision within a few minutes. If you’re approved, you’ll receive your credit card in the mail within 7-10 business days.

If you prefer to apply in-store, you can visit any AutoZone store and fill out a paper application. The in-store application process is similar to the online application process, and you should receive a decision within a few minutes.

Here are some tips for increasing your chances of getting approved for the AutoZone credit card:

  • Have a good credit score
  • Have a low debt-to-income ratio
  • Have a steady job history

If you’re not approved for the AutoZone credit card right away, don’t despair. You can try again in a few months. In the meantime, you can work on improving your credit score by paying your bills on time and keeping your credit utilization ratio low.

Benefits and Rewards of AutoZone Credit Card

The AutoZone credit card offers a variety of benefits and rewards, including:

  • Special financing options: The card offers 0% APR on purchases of $199 or more for 6 months (on approved credit)
  • Cashback rewards: Earn 5% cashback on AutoZone purchases and 2% cashback on gas station purchases (on the first $6,000 in combined qualifying purchases each quarter)

Here are two charts that summarize the benefits and rewards of the AutoZone credit card:

AutoZone Credit Card Benefits

BenefitDetails
Special financing options0% APR on purchases of $199 or more for 6 months (on approved credit)
Cashback rewardsEarn 5% cashback on AutoZone purchases and 2% cashback on gas station purchases (on the first $6,000 in combined qualifying purchases each quarter)
Discounts on AutoZone purchasesGet discounts on AutoZone purchases, such as 10% off your first purchase with the card
Roadside assistanceGet roadside assistance coverage, including towing, jump-starts, and tire changes
Extended warranty coverageGet extended warranty coverage on qualifying purchases
AutoZone Credit Card Benefits

AutoZone Credit Card Rewards

RewardDetails
5% cashback on AutoZone purchasesEarn 5% cashback on every purchase you make at AutoZone
2% cashback on gas station purchasesEarn 2% cashback on every purchase you make at gas stations
No limit to the cash back you can earnThere is no limit to the amount of cashback you can earn with the AutoZone credit card
Cashback rewards are paid out quarterlyYour cashback rewards are paid out to you quarterly
AutoZone Credit Card Rewards

Comparison with Other Car Repair Credit Cards

When comparing the AutoZone credit card to other car repair credit cards, it’s important to consider a few key factors, such as:

Interest rates: 

The AutoZone credit card offers a competitive 0% APR introductory offer on purchases of $199 or more for 6 months (on approved credit). After the introductory period, the variable APR ranges from 17.49% to 25.49%.

Rewards: 

The AutoZone credit card offers 5% cashback on AutoZone purchases and 2% cashback on gas station purchases (on the first $6,000 in combined qualifying purchases each quarter). 

This rewards program is good for car owners who frequently shop at AutoZone. 

However, other car repair credit cards offer better rewards, such as the Advance Auto Parts Car Care Credit Card, which offers 5% cashback on auto parts purchases and 2% cashback on gas station purchases (no limit).

Annual fees: 

The AutoZone credit card has an annual fee of $99. This is a higher annual fee than some other car repair credit cards, such as the Capital One Auto Finance Rewards Credit Card, which has no annual fee.

AutoZone Credit Card vs. Other Car Repair Credit Cards

FeatureAutoZone Credit CardAdvance Auto Parts Car Care Credit CardCapital One Auto Finance Rewards Credit Card
Interest rates0% APR on purchases of $199 or more for 6 months (on approved credit), then 17.49%-25.49% variable APRNo introductory offer, then 17.99%-26.99% variable APRNo introductory offer, then 16.49%-24.99% variable APR
Rewards5% cashback on AutoZone purchases and 2% cashback on gas station purchases (on the first $6,000 in combined qualifying purchases each quarter)5% cashback on auto parts purchases and 2% cashback on gas station purchases (no limit)2% cashback on all car-related purchases, including gas, auto parts, repairs, and maintenance
Annual fees$99$99No annual fee
AutoZone Credit Card vs. Other Car Repair Credit Cards

Here is a table that summarizes the key features of the AutoZone credit card compared to two other popular car repair credit cards:

As you can see, the AutoZone credit card is a good option for car owners who frequently shop at AutoZone and want to earn cashback rewards.

However, there are other car repair credit cards on the market that offer better rewards or lower interest rates.

Ultimately, the best car repair credit card for you will depend on your individual needs and spending habits.

Making an Informed Decision: Is AutoZone Credit Card Worth It?

Whether or not the AutoZone credit card is worth it depends on your needs and spending habits. Here are a few factors to consider:

  • How often do you shop at AutoZone? If you shop at AutoZone frequently, then the AutoZone credit card can be a good way to earn cashback rewards.
  • What is your credit score? If you have a good credit score, you may be able to qualify for a lower interest rate on another car repair credit card.
  • What is your budget? If you are on a tight budget, you may not want to pay the annual fee for the AutoZone credit card.

Pros of the AutoZone Credit Card

  • 0% APR for 6 months on purchases of $199 or more
  • 5% cashback on AutoZone purchases and 2% cashback on gas station purchases
  • Roadside assistance coverage
  • Extended warranty coverage

Cons of the AutoZone Credit Card

  • $99 annual fee
  • Lower rewards than some other car repair credit cards
  • Higher interest rate than some other car repair credit cards

If you are considering applying for the AutoZone credit card, read the terms and conditions carefully to understand all the fees and interest rates.

You should also compare the benefits of the AutoZone credit card to other car repair credit cards to find the best card for you.