The content is accurate at the time of publication and is subject to change.

The Synchrony Car Care™ Credit Card offers 6 months of no interest on purchases of $199 or more if paid in full. Plus, to qualify for the deferred interest offer, the qualifying amount must be on one receipt. However, not all purchases qualify for this special financing offer. For example, gas station purchases are not eligible.

Another thing to note is that the Synchrony Car Care credit card does not offer real 0% interest. If you qualify for the deferred interest, no interest will be charged on the promo balance if you pay it off in full within the promo period. However, if you fail to pay off that balance, the interest will be charged on the entire promotional balance from the purchase date.

That sounds tricky, and it sure may be so. Luckily, there are options - regular credit cards with 0% intro APRs on purchases. These cards give you real 0% interest for the entire promotional period. Plus, you can find credit cards with longer than 6 months periods - ranging from 12 to 18 months, meaning you will have more time to pay off your balance without paying any interest.

Another good thing about regular credit cards is that all purchases qualify for the 0% introductory rate without any purchase minimums or caps. If you are unable to pay off the card balance in full by the end of the promotional period, the ongoing interest rate will apply to the remaining balance and new purchases only.