Belle Tire Credit Card
Basic Information
Program ID: belle-tire-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:37
Last Scraped: 01/15/2026 13:39
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| 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
Purchase APR Range: 2,199.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 3,199.00%
Rewards Program
Reward Type: Financing Offers
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special financing on Belle Tire purchases
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Card offers financing, not points/rewards.
Transfer Partners: N/A - No transfer partners.
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 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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.
Maximum Cards Per Issuer: 6
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy approval for financing large purchases like tires and auto services; useful for managing unexpected auto expenses with promotional APR offers.
Top Negative Feedback:
High standard APR after promotional period; customer service can be challenging; limited utility outside of Belle Tire locations.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 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