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Your car’s check light engine is not on? Are you looking for a servicing center to diagnose your car for repairs? Will you be delighted if you get a financing option with a dedicated credit card?

AAMCO, one of the oldest names in the car repairing and fixing business in the US, is offering a dedicated store credit card called AAMCO Credit Card which you can use to finance your auto repairs and servicing and earn attractive rewards at the same time.

This article extensively researches the features, benefits, and limitations of the AAMCO credit card to help you understand if this card suits your needs.

Key Takeaways:


What is AAMCO?

AAMCO Transmissions and Total Care is a one-stop solution for transmission repairs and related services. AAMCO is an acronym for Anthony A. Martino Company which was founded in 1957 by Anthony A. Martino as AAMCO Auto and Truck Repair.


Later, as the company grew, Robert E. Morgan joined the company in 1962, and the brand AAMCO was officially born. Then it finally grew to be a household name with its presence in over 527 locations across North America. They have developed a prestigious brand over the past few decades and have been regularly featured in Entrepreneurs Franchise 500.


In 2006, they were acquired by American Capital, and in October 2017, American Driveline Systems, AAMCO’s franchiser, was taken over by Icahn Enterprises L.P., who are the current owners of AAMCO.

AAMCO Company Details

Company Name

AAMCO Transmissions and Total Car Care

Founder

Anthony A. Martino and Robert Morgan

Year Founded

1957

Headquarters

Horsham, Pennsylvania, USA

CEO

Jim Gregory

Industry

Auto Maintenance

Revenue

$450 million

Website

aamco.com

What is AAMCO Credit Card?

Car servicing can often put a dent in your wallet at an unexpected time, and what you imagined to be a minor error can often lead to a major issue post-diagnosis. Suppose you are availing of your auto care services for transmission repair or other related services at AAMCO. In that case, AAMCOs’ financing programs help you finance your repair or fix through their AAMCO Credit Card.

The AAMCO Credit Card is offered by Synchrony Bank, an online bank that specializes in partnering with retail brands and offers co-branded store credit cards to its retailers. AAMCO is a mediator that pairs potential borrowers with lenders(third-party lenders) or lending partners, Synchrony.

With the help of this credit card, you can:

  • Finance your repair work and auto care services through a credit line.

  • Pay in easy monthly payments.

  • Avail promotional offers exclusively available for AAMCO credit card holders.

Benefits of AAMCO Credit Card

Let us check the Benefits of the AAMCO Credit Card.

 

  • It offers 6 months of promotional financing on purchases of $199 to $749. Customers can take advantage of not paying the interest if the entire amount is paid within 6 months on purchases of $199 and above.

  • You can fulfill your needs for gas with the help of this card which is accepted at over 200,000+ gas stations nationwide across all major gas brands.

  • They are accepted at all participating AAMCO locations and over 500,000 auto parts and service businesses (where Synchrony Car Care Credit Card is accepted).

  • It is accepted all over the USA and Puerto Rico. The complete list is available here.

  • No Annual Fee is required for this card.

  • It is a safe and secure card with $0 fraud liability.

  • It offers a credit limit increase subject to approval.

  • Exclusive discounts for cardholders.

  • It gives financing facilities for your auto care services with easy monthly payments.

  • You can access your account 24×7 securely.

  • It offers a dedicated account dashboard accessed via the Synchrony mobile app.

  • You can also set customized alerts.

Note: All the offers are subject to credit checks or consumer reports, approval by the respective lender, and the cardholder’s credit card agreements when signing the contract. Synchrony Bank provides the loan service, as AAMCO is not a lender, makes no credit decisions, or does broker loans (normal or personal cash loans). Also, the regular account terms apply post-promotional period for non-promotional purchases.

Drawbacks or Limitations of the AAMCO Credit Card.

  • The APR is extremely high at 29.99% with a minimum interest charge of $2 as compared to most other credit cards, where the average is between 18% to 23%.

  • You need a strong financial profile with a minimum credit score above 650 for credit approval.

  • It can only be used for auto services at AAMCO and Synchrony partners related to auto care services. Not suitable for users looking to earn travel rewards or lounge access at airports.

  • Gas Station Purchases are not available for financing through this credit card.

How do I Apply for AAMCO Credit Card?

Note: Before we begin the step-by-step process, you may also visit the dedicated page of AAMCO by Synchrony and then click “AAMCO Credit Card and Financing” to move straight to the pre-qualification page.

Step by Step Application Process through Synchrony and AAMCO

 

Step 1. To apply for the AAMCO Credit Card through Synchrony, visit their site, mysynchrony.com, and click the “Automotive” button.

 

Synchrony Home Page
Source: Screenshot from mysynchrony.com

 

Step 2. As the page opens and click on the “Show All” button under the section “Explore Merchants.”

 

Step 3. As the Explore Merchants section expands, click on the AAMCO logo

 

Synchrony Merchants AAMCO Card Explore All Dropdown Menu
Source: Screenshot from mysynchrony.com

 

Step 4. Now the page for AAMCO Credit Card opens, which gives three options

      • See If you Prequalify
      • Apply
      • Manage Account

         

AAMCO Credit Card Homepage

 

Note: Instead of going through the Synchrony Page, you can directly arrive at the Financing page for AAMCO Credit Card with this link.

 

Step 5. If you want to check if you pre-qualify for the AAMCO Credit Card, click on the “SEE IF YOU PREQUALIFY” button, enter the following info as the page opens, and press the “Continue” button.

      • Last Four Digits of your SSN/ITIN
      • Mobile Number

Once the verification is complete by lenders or lending partners from credit bureaus or any other providers of credit information, it will immediately notify you whether you qualify. If the reviewers need more information, additional time might be required for them to respond.

 

Note: The AAMCO Synchrony Car Care Credit CardGood option is usually made available to customers with “good” and “excellent” credit scores.

 

Tip: If you don’t have a mobile phone, click the ” I don’t have a mobile phone number” button, fill out the inquiry form, and submit.

 

If you want to apply directly, click the “APPLY” button on the AAMCO Credit Card page, where there are three options.

The same page when you click the “SEE IF YOU PREQUALIFY” button. Follow the same process and enter the Social Security Number, i.e., SSN or Individual Tax Identification Number, i.e., ITIN and Mobile Number, to continue and complete the application process.

AAMCO Credit Card Prequalification Page with Form

AAMCO Credit Card Registration Process

Once you register your AAMCO Credit Card account, you can access your account from anywhere and track your account activity from a mobile phone through the MySynchrony mobile app or a desktop.

Click here to register your account. 

AAMCO Credit Card Registration Form
Source: Screenshot from aamco.com


You need to provide the following info of the primary account holder to register your account.

    • Account Number (Can be found in the front of your card or the top right corner of your billing statement. Also included in the paper mailed along with the credit card).
    • Last Four Digits of the SSN
    • Date of Birth

Once you have provided the information, click “Continue” and Verification. Then set up the Profile and Confirm all the details to complete the Registration process.

How to Activate My AAMCO Credit Card?

If you have received the AAMCO Credit Card with a sticker on the front of the card, then you need to call the number mentioned in the sticker to verify your information and activate your account and the card.

How to Manage My AAMCO Credit Card Account?

From the AAMCO Credit Card financing page, click on the “MANAGE ACCOUNT” button, and it will lead to the Synchrony Page for AAMCO.

 

AAMCO Credit Card Dedicated Page in Synchrony's Website
Source: Screenshot from mysynchrony.com

 

Click on the “Log In” button on the top right to enter your details and log in to your account, which will open the dashboard from where you can manage your account.

AAMCO Credit Card Login Process

Go to the Synchrony page for AAMCO Credit Card Page and click “Log In.”

It will lead to the login page with a form.

AAMCO Credit Card Login Page
Source: Screenshot from aamco.com

Enter your Username and Password and click the “LOG IN” button to log in to your account.

How to Calculate Minimum Monthly Payments For Promo Purchases?

You can use the calculator provided by Synchrony Car Care Payment Calculator to calculate your monthly payments.

For example, a calculation for monthly payments is made on a financing of $2000

AAMCO Credit Card Interest Calculator Page
Source: Screenshot from aamco.com

As you can see, the calculator shows that an easy monthly payment of $167 needs to be made for a Promotional Purchase Amount of $2000 for a payoff period of 12 months.

Note: No interest is charged if you make payment on time, i.e., within the payoff period. Normal interest rates(APR of 29.99%) and late fees are applied for payment beyond the payoff period and non-promo purchases beyond the Due Date. However, paying within the Due Date will not attract interest and help build positive credit.

AAMCO Credit Card Bill Payment

There are multiple ways of paying your AAMCO Credit Card bills:

 

 

Single, One -Time Online Payment

  1. Login to your account and click on the Make Payment button.
  2. Select the payment amount, date, and payment source.
  3. Then Click Submit Payment for Review.
  4. Once you have reviewed your payment, click the “Submit” button.
  5.  

Check your email for payment confirmation from Synchrony Bank.

Note: You can check your Payment History by logging into your account, then select your account from the Accounts Menu, click on “Payments,” and then click “History’.

 

Multiple Payment

Please note that same-day payments are processed until 11:59 p.m. ET.

Follow the steps to make multiple payments:

  1. Log in and then click the “Make Payment” button.
  2. Select the “Multiple” tab above.
  3. Provide the required information.
  4. Enter up to 12 payments.
  5. Click Create Payment Schedule.

Check your email for payment confirmation from Synchrony Bank.

Note: Multiple payments can be made in one day, but a unique payment source, i.e., the bank account, is required for each payment.

 

Autopay

You can select the option of Autopay to execute the payment of your bills that are due automatically. The amount deducted will depend on the option you have selected. It can be the balance in the statement, the minimum amount due towards your payment, or an amount of choice.

 

Pay Without Login

To be able to Pay Without Login, you need to go to the Pay Without Login page and register your account by clicking the “Register Now” button to avail of the service.

 

AAMCO Credit Card Bill Payment Without Login Page at Synchrony's Website
Source: Screenshot from mysynchrony.com

 

Payment by Mail

To make payments via mail, you must send them to the following address.

Synchrony Bank P.O. Box 960061 Orlando, FL 32896-0061

 

Set Alerts

You can log in to your account and set up alerts as per your liking to stay informed about your AAMCO or related auto care expenses. You will receive notifications when you have set an alert for a particular activity. Alerts are one-way Communications via email or texts regarding that activity.

AAMCO Credit Card Customer Care

You can chat with an AAMCO Credit Card virtual agent or a dedicated live agent for more complex issues by clicking the chat button once you log in to your Synchrony account and access your account.


You can also contact Synchrony for any Credit Card Partners’ card-related issues or to schedule appointments at 866-657-0376 Monday through Friday from 8 AM — 12 Midnight (ET).

FAQs:

The most frequently asked questions are as follows:

The AAMCO Synchrony car care card can be used in 200,000+ gas stations, 500,000 auto parts, and service businesses nationwide where Synchrony Car Care Credit Card is accepted.

Yes, it is valid and accepted everywhere in the US and Puerto Rico. It is accepted anywhere Synchrony Car Care Credit Card is accepted.

No, the card is not designed to be used everywhere. The loan lender specifically designed this card to avail financing options to cardholders for unforeseen repair and related auto care services through partners associated with Synchrony.

Taking Everything into Account

AAMCO Credit Card is a great financing option that pairs potential borrowers with lenders and extends customers’ purchasing power. Synchrony’s loan offers help cardholders finance their unanticipated breakdown or unexpected car repair and pay it through easy monthly payments at no additional costs.

Moreover, there is no application fee or annual fee for the card. Only a $40 processing fee applies.

It is a great option for customers to reduce their financial burden by distributing their payment for the service over several months and earning rewards simultaneously.

If you pay your bills on time, you can save on interest or any other finance charges.

If you are looking for an auto service, especially at AAMCO, and want to earn rewards and discounts for all your other purchases regarding auto care, then this card is the right choice for you.

 

 

Disclaimer: All the information presented in the article has been collected independently by BitMoneyAlpha and has not been reviewed or approved by AAMCO or Synchrony Bank. The product information may vary. Please check the issuer’s websites for the latest information. The statements and opinions expressed in this article belong to the author and do not necessarily represent the views or opinions of any credit card issuer. The content is for informational purposes only. It is not financial advice.

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