Pep Boys Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and customer service info for The Pep Boys Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APRDeferred interest
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Pep Boys Credit Card has a rating of 2.9/5 according to our proprietary credit card rating system. This rating reflects how appealing Pep Boys Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases (Store Cards)'. To break it down further, Pep Boys Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 2.5/5 for Cost, 2.8/5 for APR, and 3.6/5 for User Reviews. Info about the Pep Boys Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.6/5
29 reviewsRead and write reviews
Market Comparison
Market Comparison
2.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases (Store Cards)” for this card.
Fees
5.0
Rewards
0.0
Cost
2.5
APR
2.8
2.8/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 months, 29.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Pep Boys Credit Card's Additional Info
Deferred Interest Details: No interest if paid in full within 6 months on purchases of at least $199.
Use your card at gas stations and auto-related businesses Nationwide.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.6
Market Comparison
2.8
fees: 5.0
rewards: 0.0
cost: 2.5
APR: 2.8
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.6
User Reviews
3.9
Market Comparison
4.0
fees: 2.9
rewards: 3.8
cost: 4.7
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.6
Market Comparison
4.2
fees: 4.3
rewards: 5.0
cost: 4.3
APR: 3.8
(29)
(425)
(2,904)
annual fee$0
annual fee$95
annual fee$0
Purchase Intro APR0% for 6 months
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% (min $5)
Can't find what you are looking for? Submit your question about Pep Boys Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can use your Pep Boys Credit Card for purchases at Pep Boys locations and over 500,000 other automotive locations and gas stations nationwide. This is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Even though store credit cards have limited acceptance, they can still be a decent deal for brand-loyal customers. The Pep Boys Credit Card offers accountholders an intro APR of 0% for 6 months on purchases. After that, the card's regular APR kicks in, which is 29.99%. But keep in mind that this is deferred interest; if you don't pay the balance off within the 0% promotional period, interest is applied to the original balance – like it was there from the start.
To buy a gift card with your Pep Boys Credit Card, simply use the card at checkout to pay for the desired gift card, just like with any other purchase. It's important to note that Pep Boys does not accept credit card payments for gift cards, but you may have more luck at any of the other merchants that the Pep Boys Credit Card works at, like Discount Tire.
The fact that some merchants don't accept credit card payments for gift cards is not that...
The easiest way to apply for the Pep Boys Credit Card is online. Alternatively, you can apply by visiting your nearest Pep Boys store location. Unfortunately, you cannot apply for this card over the phone.
Keep in mind that the Pep Boys Credit Card requires at least fair credit for approval. It's also worth noting that the issuer requires applicants to check for pre-approval before they can apply. So, you will have a good idea of your approval odds before you submit your application. If...
No, you cannot transfer your Pep Boys Credit Card balance to another credit card. The issuer does not allow balance transfers, regardless of whether they're to or from the card.
You can try negotiating for a lower APR instead, by calling the issuer's customer service at (866) 396-8254. This is much more likely to work if you're trying to get a fee waived, but it doesn't hurt to try.
The fact that Pep Boys Credit Card cash advances are not an option might actually be a blessing in disguise. Cash advances are very expensive, due to a cash advance fee and a separate cash advance APR that apply as soon as you withdraw the cash. There may also...
Yes, the Pep Boys Credit Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.
The Pep Boys Credit Card requires fair credit or better to be approved. You can...
You can check your Pep Boys Credit Card application status by calling customer service at (866) 396-8254. When you call, you'll need to provide personal information so that the issuer can match you to your application. It should only take a few minutes to find out whether your application is approved, denied, or pending.
Typically, you'll receive a decision on your application immediately after applying. If you don't get a decision on the spot, it could just mean...
No, usually, the Pep Boys Credit Card does not do a hard pull for credit limit increases. A request for a credit limit increase will result in a soft pull on your credit. However, in some cases, additional reviews will be necessary for the resolution, which could result in a hard pull.
You can request a credit line increase for your Pep Boys Credit Card by calling (866) 419-4096, or through your online account.
Finally, it is worth noting that the issuer also...
Share your insights and review for the Pep Boys Credit Card
5
48%
4
17%
3
7%
2
3%
1
24%
3.6
29 reviews
29 reviews
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Lyron @lyronconnorusvi
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3 Star Rating
Verified Customer
Good for what it is. Will be used for gas, and car repairs. It doesn't have anymore features besides that so no bells, and whistles or no foreign transaction fees for it
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0
Daniellepassage @Daniellepassage
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1 Star Rating
They lowered the credit card limit immediately months after first time use!! Which was less than 3 months after I applied. For no reason at all. Plus I have great credit. This shows bad on my credit report because now it shows utilized 80% of the limit even though it was only $400 used. Never again, what’s the point of having a card for $400 can’t even pay for an emergency on that. Next it will be lower to $100 please. Better off getting a coupon than applying for their card.
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0
0
Armond @armondscales72
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5 Star Rating
Verified Customer
Great card to have interests rates are high tho. They do give out increases with no problem it’s also I life saver when traveling out of town gas stations do except this card
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0
Kelley @kelsipe
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1 Star Rating
Verified Customer
Quick to put it on my credit report been a month and a half and have yet to recieve the card. Will they extend the promotional period since im a month and half in and no card recieved so by the time they send it it will be at least 2 months in.
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Robert @roberts_1266
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5 Star Rating
Verified Customer
Thanks good app I pay in full don't plan to use this much only use it for gas but I do recommend this card for beginners especially if you shop at pep boys
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Timothy @tdcarroll85
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4 Star Rating
Verified Customer
This card has been used to keep our vehicles maintained. As well as coming in handy for use at gas stations. Pep boys prices are high, but they do have an awesome financing option.
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0
Haade @ramadanhaade
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1 Star Rating
Verified Customer
Closed my account for no reason. Constantly gave me trouble by changing credit limit on a frequent basis. Making payments on the card was a hassle every time.
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0
0
Donna Hollingsworth @CreditBuilder
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1 Star Rating
Loved using this card for car repairs, new tires, etc. However, after 1 year they substantially lowered my credit limit to $380. Cut my limit in more than half. I made my payments on time. I have many cards and this is the only one that has lowered my limit. I do not recommend this card.
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0
0
Dafne @ivanska33
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4 Star Rating
Verified Customer
This account be closed by me paying the full amount when I call a agent from synchrony bank she told me that the total amount to paid was 200 dolars with i paid will my check account, I don't understand why this people affect me in my credit wild i pay it not a collection agent
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Sherrome @shromechrome
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1 Star Rating
Verified Customer
Locks your account for any payments over 500. Would rather tell you that your wrong than admit fault when they read the facts that prove you correct. I had a payment of $600 process with an available bat of $300 and they locked my account for 7days. Oh and at this time is fully paid off but 30days later and still shows a balance on credit report.
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