5
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 5 Total
PENDINGAccount Management 2
Flexible Payment Options
Ability to make manageable monthly payments on outstanding balances, providing flexibility in managing card debt.
Online Account Access
Secure online portal for cardholders to manage their account, view statements, track purchases, and make payments 24/7.
Financial 1
No Annual Fee
No annual feeThe credit card does not impose an annual fee for card membership, reducing the cost of ownership.
Financing 1
Special Financing Offers
Varies by promotionAccess to promotional financing options on qualifying purchases made with the American Tire Distributors credit card, allowing for deferred interest or reduced APR periods.
Purchasing Power 1
Dedicated Credit Line
Varies by credit limitA specific line of credit established for purchases at American Tire Distributors (ATD) and participating locations, separate from other credit lines.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The American Tire Distributors Credit Card, issued by Synchrony, is primarily a store-specific financing tool for businesses and individuals purchasing products and services from American Tire Distributors. Eligibility typically requires applicants to be at least 18 years old (or 19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a satisfactory credit history as determined by Synchrony's underwriting criteria. While traditional sign-up bonuses are rare for this type of card, the primary 'bonus rule' is access to special promotional financing offers (e.g., 0% APR for a specific period on qualifying purchases) available exclusively to cardholders at American Tire Distributors. These offers are subject to minimum purchase amounts and specific terms and conditions which vary by promotion.
Max Cards Per Issuer: 7
Min Spend Interval: Not applicable for a traditional sign-up bonus. Promotional financing offers typically require a minimum purchase amount to be met at the time of transaction, with the promotional period (e.g., '6 months no interest') commencing from the purchase date.
Cliff Effect Rules: Synchrony does not typically operate with 'cliff effect' rules or card family restrictions in the same manner as major bank issuers (e.g., Chase 5/24). Each Synchrony store card is generally evaluated independently. However, a high number of Synchrony accounts or a high total credit limit across all Synchrony cards can impact approval for new Synchrony products due to overall credit exposure limits.
Special Events: Cardholders can anticipate special financing promotions tied to seasonal tire sales (e.g., winter tire season, summer tire season), specific brand promotions (e.g., Michelin, Goodyear), and business-to-business purchasing incentives. These events often feature extended financing terms or exclusive discounts for card users.
Holiday Promos: Promotional periods may align with major U.S. holidays or business-centric periods, such as Black Friday/Cyber Monday (for general business purchases), end-of-year tax planning (for business write-offs), or specific industry trade show dates. These periods often feature enhanced financing offers or rebates.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Offers flexible financing for large tire and auto parts purchases, useful for managing unexpected vehicle expenses, occasional promotional offers.
Top Negative:
High standard APR after promotional periods, customer service can be inconsistent, limited utility outside of ATD network, potential for unexpected credit limit changes.
Approval Experience: 72.0 / 100
Recommended Alternatives
- Synchrony Car Care Card
- Goodyear Credit Card
- Discount Tire Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $25.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2024-01-01