Synchrony
NAPA Credit Card
Estimated value every year on typical spending
$156/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Synchrony NAPA Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $156 a year on typical spending.
Its rewards are NAPA rewards, which only spend with one merchant, so we count them at 50% of face value.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- Not specified
- Rewards paid as
- NAPA rewards · counted at half value
- Approval
- Good credit recommended
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
See issuer site for rewards details
Sign-up bonus
Not specified
Best for
- Keeping costs at $0
Not ideal for
- Anyone who doesn't shop there often (rewards are NAPA rewards, so we count them at half value)
- Frequent international travelers
Trade-offs: No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- Not listed
- $1200/mo on everyday spending earns about $72/year (0.5%).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
NAPA Credit Card: questions people ask
Is the Synchrony NAPA Credit Card worth it?
With no annual fee, the Synchrony NAPA Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $156 a year on typical spending.
What is the Synchrony NAPA Credit Card annual fee?
The Synchrony NAPA Credit Card has no annual fee ($0).
What credit score do you need for the Synchrony NAPA Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Synchrony NAPA Credit Card charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Synchrony product page. Terms change often; confirm them with the issuer before you apply.