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Jiffy Lube Credit Card | Review | Avoid Unless Desperate

PFG's Rating:

Recommended in specific cases. Use the Jiffy Lube Credit Card very cautiously. Requires special attention to on-time payments to avoid very high APR and/or fees. If you need to pay for a large auto repair or maintenance bill right now, but don’t have another way to pay, this can provide a stop gap.

Pros and Cons: Jiffy Lube Credit Card



Effectively a temporary 0% interest loan for auto repair if used correctly (make monthly minimum payments and payoff full balance during the promo period. 6 months promotional 0% financing for purchases over $199 


No Annual fee


They claim they will give a credit approval decision within minutes


Reputable issuer (Synchrony Bank)



Very high APR – 29.99%+ – like most store co-brand cards. Be careful to pay off your bill fully each month 


Only able to use this card at auto repair and gas locations in the Synchrony Care Care network


Only works in the U.S.


No rewards 

  • This card does not offer rewards 
  • 29.99% APR – this is extremely high, but not uncommon for store co-brand cards
  • No annual fee – $0 annual fee.
    • Applications are subject to credit approval
    • While they will take into account your total application, we recommend a credit score of at least 520 to be likely for approval
    • Be 18 years old (or the age of majority in your state or territory)
    • Have a government issued photo ID and tax identification number (for example a social security number)
    • Be willing to provide a non-PO Box mailing address
    • None – just the promotional financing

    Interested in other credit cards?

    Check out our credit card hub!

    Jiffy Lube Credit Card Executive Summary: Only use in a car repair emergency

    Avoid this card unless you have an immediate car repair emergency and have no other way to pay.

    When it comes to credit cards, the Jiffy Lube Credit Card is a popular choice for people with unexpected car expenses. 

    This card is a popular option for several reasons, but it also has many negative aspects.

    Let’s explore those in detail so you don’t miss out on any important information.

    Let’s get into all the details ⏩ 

    Features and benefits of the Jiffy Lube Credit Card

     Let’s check it out

    Jiffy Lube credit card features and benefits

    Jiffy Lube Credit Card: Features and Benefits Discussion

    There are plenty of features and benefits that make the Jiffy Lube credit helpful card, especially when considering convenience.

    Credit Card Payment Options

    Synchrony Bank extends co-branded credit cards through hundreds of companies, including Jiffy Lube. The Synchrony online payment portal is user-friendly and straightforward.

    It is easy to pay monthly or to set up automatic payments.

    If you prefer non-digital methods, Synchrony will send you a monthly bill, and you can return payment by mail with a check or money order.

    Special Financing Option

    The Jiffy Lube Credit Card offers special financing with 0% initial interest on purchases over $199 if you fully pay off your card in six months and make minimum monthly payments along the way.

    This financing feature is an excellent option if you have an unexpected car expense. But make sure that you can pay off the balance entirely within six months.

    Quick Application Process and Responses

    It takes, on average, five minutes to apply for a Jiffy Lube credit card, and most people receive their approval or denial within ten minutes of completing the application.

    Who should consider getting the Jiffy Lube Credit Card?

    Who Is a Jiffy Lube Credit Card Good For?

    Jiffy Lube credit cards are great for some people. This card might be a good fit for you if

    ●      You’re new to credit.

    ●      You are hoping to rebuild a fair to poor credit history.

    ●      You want to utilize the special financing option.

    ●      You plan on paying the credit card off quickly.

    ●      You need your car immediately and don’t have another payment method. While the Jiffy Lube credit card has a high APR relative to other credit cards, it is significantly better than a payday cash advance loan.

    Who Is a Jiffy Lube Credit Card Not Good For?

    Jiffy Lube credit cards have some downsides as well. This card may be a poor fit for you if

    ●      The purchase(s) you plan to make won’t qualify for special financing.

    ●      You have good or excellent credit. You will likely qualify for a different credit card with more benefits and a lower APR if you have excellent credit.

    ●      You have the money to pay for your car repair immediately.

    ●      You’re unsure if you will be able to make the minimum monthly payments required

    ●      You want a new credit card that you can use at any business.

    Approval Odds of a Jiffy Lube Credit Card

    While your income is vital for any credit card approval, your approval odds on a Jiffy Lube credit card are high if you have at least a fair credit score.

    Synchrony Bank, the issuer of Jiffy Lube credit cards, sends pre-approval mailers to individuals with a credit score over 640, for example.

    However, hope isn’t lost if your score is a little lower. They frequently approve those with at least a 580 credit score if they haven’t filed for bankruptcy in the last seven years and don’t have multiple adverse credit events on their record.

    How To Utilize a Jiffy Lube Credit Card

    We recommend paying off a Jiffy Lube credit card before any interest can accrue. They have several payment options for you to make a payment (see below).

    Take advantage of any special financing offers that will lower APR, and keep the balance as low as possible to avoid excessive interest.


    Other Common Jiffy Lube Card Questions

    You’re not alone if you still have questions about Jiffy Lube, how to pay them, and their credit cards. Here are some of the most common questions.

    Does Jiffy Lube Take Apple Pay?

    The accepted payment methods vary at each franchise. Most Jiffy Lube locations accept Apple Pay, but not every location does.

    The best way to check is to contact your local Jiffy Lube to see if that particular location accepts Apple Pay.

    Is a Jiffy Lube Gift Card the Same as a Jiffy Lube Credit Card?

    No. Jiffy Lube gift cards are preloaded cards, and Jiffy Lube credit cards are lines of credit.

    Only those over 18 can apply for a Jiffy Lube credit card, and those with bad credit may not gain approval. Jiffy Lube credit cards will show up on your credit report.

    Anyone of any age can purchase and use a Jiffy Lube gift card, and it will not impact your credit score.

    Can You Use Other Synchrony Cards at Jiffy Lube?

    Typically, no. Synchrony offers credit cards at many stores besides Jiffy Lube, but each credit card links to the store that extended the line of credit, and you cannot use them at other stores.

    There are a few exceptions, but they are rare. Look at your synchrony card and see if it has a Visa or Mastercard logo. You can only use cards with these logos at other locations.

    Can You Use Your Jiffy Lube Credit Card at Other Vendors?

    No. Jiffy Lube credit cards are lines of credit offered only at Jiffy Lube locations. While you can use the credit card at any Jiffy Lube in the continental United States, you cannot use the credit card with any other company.

    What Payment Methods Does Jiffy Lube Accept?

    The following are Jiffy Lube pay options:

    ●      All Jiffy Lube locations accept cash, Visa, and Mastercard.

    ●      Most Jiffy Lube locations accept American Express, Discover, and Apple Pay.

    ●      Some Jiffy Lube locations accept personal checks.


    Conclusion on the Jiffy Lube Credit Card

    Unless you desperately need a car repair and have no other way to pay, we’d skip this card. 


    To get the Jiffy Lube credit card, you will go through a credit check. To be eligible for a check, you must have a valid email, address, and phone number and show your social security number and annual income.

    Finally, you must have a reasonably good credit score to be considered for the card. Many store cards have lower credit requirements than average, general-purpose credit cards.

    Background of the Jiffy Lube Credit Card

    Synchrony Bank is the issuer of Jiffy Lube credit cards.

    Synchrony is a 90-year-old financial services company based in Connecticut that spans multiple industries. Synchrony issues credit cards through many big-name companies besides Jiffy Lube, such as America’s Tire and the Brakes Plus Credit Card.

    Remember that this credit card is really just a co-brand version of the Synchrony Car Care Credit Card. This card is co-branded with dozens of auto repair shops, all with slightly different features/benefits, terms and conditions, but largely the same.

    It began as a credit company during the Great Depression, which allowed Americans to purchase necessary GE appliances for their homes.

    Today the company is extremely active, with over 72 million customer accounts open.

    In addition to their individual credit cards, Synchrony does promotional financing and installment lending.

    Frequently Asked Questions (FAQ)

    Get fast answers to the most common questions 

    Where specifically can I use the Jiffy Lube Credit Card?

    UNLIKE other co-brands of the Synchrony Car Care card, this card can only be used at Jiffy Lube locations and not even all Jiffy Lube locations at that. They don’t provide an online tool to check which locations accept it, so you will need to contact the Jiffy Lube location you plan to go to first to check.

    I'm looking for my Jiffy Lube card login

    If you just need your Jiffy Lube credit card log in, try navigating here.

    Or try searching Google for “Synchrony Car Care login” or “Synchrony care credit login”

    Is Synchrony Bank reputable?

    We think generally so. They’re a large, public company, that’s been around for a long time and is the bank behind hundreds of store-brand credit cards

    Does the promotional financing offer apply to gas purchases?

    No it does not!

    What are some similar cards?

    Check out all of the co-brands of the Synchrony Car Care Credit Card here

    We also have reviews of these:

    Editor's Note:

    At Personal Finance Guru, we want to help you maximize your lifestyle through personal finance. You can trust the integrity of our independent financial advice. Our opinions our own and have not been provided, review, approved, or endorsed by any advertiser or financial product provider. To support and grow the site, however, we may receive compensation from the issuers of some products.