Belle Tire Credit Card

Synchrony Pending

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Benefits

0

Reward Categories

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Max Reward

22%

APR From
Basic Information
PENDING

Program ID: belle-tire-credit-card

Issuer: Synchrony

Card Name: Belle Tire Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:37

Last Scraped: Feb 05, 2026 13:08

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits and protections under the Servicemembers Civil Relief Act (SCRA) for eligible active duty service members, including a 6% APR cap on existing balances for accounts opened prior to active duty.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Financing Offers

Base Rate: 0x

Bonus Rate: 0x

Categories: Special financing on Belle Tire purchases

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: N/A - Card offers financing, not points/rewards.

Point Value: 0¢

Travel Portal Multiplier: 0x

Transfer Partners: N/A - No transfer partners.

Redemption Penalties: N/A - No points to redeem.

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended 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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: None
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.99% - 29.99%

Cash Advance APR: 31.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full by the end of the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 740
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Belle Tire Credit Card, issued by Synchrony, primarily offers promotional financing options rather than traditional sign-up bonuses. Typical offers include 0% APR for a specified period (e.g., 6, 12, or 18 months) on qualifying purchases, often with a minimum spend threshold (e.g., $199 or $299). Eligibility requirements for 2026 include being at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and meeting Synchrony's creditworthiness criteria, which generally requires fair to good credit. Applicants must not have a history of default on other Synchrony accounts or an excessive number of recent applications with the issuer.

Max Cards Per Issuer: 6

Min Spend Interval: 6 months

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive applications within a short timeframe (e.g., 3+ applications in 6 months), manufactured spending (less common for store cards but a general trigger), suspicious account activity, consistent late payments, or default on any Synchrony-issued credit product.

Cliff Effect Rules: Synchrony enforces internal limits on the total number of open credit accounts and the cumulative credit extended across all accounts for a single customer. Once these internal thresholds are approached or met, approval for new Belle Tire Credit Card applications or other Synchrony cards becomes significantly more challenging, regardless of individual card performance or credit score. There are no specific 'card family' bonus restrictions, but rather an overall issuer-level credit and account limit.

Special Events: Seasonal tire sales (e.g., Winter Tire Event, Spring Maintenance Special), brake service promotions, oil change package deals, new tire brand launches, and exclusive cardholder-only discounts on services or products.

Holiday Promos: Black Friday/Cyber Monday (late November), Christmas/New Year (December-January), Memorial Day (late May), Independence Day (early July), Labor Day (early September), and Tax Season (February-April) often feature enhanced promotional financing offers.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval for financing large purchases like tires and auto services; useful for managing unexpected auto expenses with promotional APR offers.

Top Negative:
High standard APR after promotional period; customer service can be challenging; limited utility outside of Belle Tire locations.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Discount Tire Credit Card
  • Pep Boys Synchrony Car Care Card
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $40.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0