America's Tire Credit Card
Basic Information
Program ID: americas-tire-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 18:04
Last Scraped: 01/15/2026 18:06
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $199.00
Time Period: 180 days
Bonus Timing: The primary welcome offer for the America's Tire Credit Card is special financing, not a traditional points/cash sign-up bonus. The 'No Interest if paid in full within 6 months' benefit is applied at the time of qualifying purchase and reflected on your monthly statement.
Rewards Program
Reward Type: Special Financing
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special financing on purchases at America's Tire/Discount Tire. Typical offers include 6 months special financing on purchases of $199-$499.99 and 12 months special financing on purchases of $500 or more.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Promotional financing periods apply (e.g., 6 or 12 months deferred interest). Interest accrues from the purchase date and will be charged if the promotional balance is not paid in full by the end of the promotional period.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy application and approval for in-store purchases, useful for financing large tire or service expenses, special promotional financing offers.
Top Negative Feedback:
High standard APR after promotional period, limited utility outside America's Tire, customer service can be challenging with Synchrony, credit limit might be low.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Discount Tire Credit Card
- Pep Boys Credit Card
- Capital One Platinum Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $15.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0