0
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
PENDINGReward Type: Special Financing & Discounts
Base Rate: 0x
Bonus Rate: 0x
Categories: Special financing offers and exclusive discounts on Big O Tires purchases.
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: N/A - Benefits are primarily financing offers and immediate discounts, not points that expire.
Point Value: 0¢
Travel Portal Multiplier: 0x
Redemption Penalties: N/A - Financing terms may include deferred interest if the promotional balance is not paid in full by the end of the promotional period.
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
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
PENDING$0
Cash BackRequirement: Spend $0 in 0 days
Timing: As a credit card rewards specialist, I must note that I cannot access future web content for January 2026. Based on typical current and historical offerings for the Big O Tires credit card (issued by Synchrony), a traditional points or cash-back sign-up bonus (welcome offer) in the manner of general-purpose credit cards is not usually advertised on their financing page. The primary welcome benefit for this type of store card is typically special financing offers (e.g., deferred interest for a period on qualifying purchases) rather than a spend-to-earn bonus. Therefore, there are no bonus approval timings for a non-existent sign-up bonus.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 0%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility: Applicants must be 18 years or older, a U.S. resident with a valid Social Security Number or ITIN, and meet Synchrony Bank's creditworthiness criteria (typically fair to good credit). Bonus Rule: The primary benefit is often promotional financing (e.g., 0% APR for 6-12 months on qualifying purchases over a certain amount) or exclusive cardholder discounts at Big O Tires locations. There is typically no traditional sign-up bonus with a spend requirement.
Max Cards Per Issuer: 7
Min Spend Interval: N/A - Store cards typically offer promotional financing or immediate discounts rather than traditional spend bonuses with a time limit.
Cliff Effect Rules: N/A - Store cards do not typically have 'card family' rules or shared bonus restrictions across different Synchrony store brands.
Special Events: Frequent promotional financing offers (e.g., 0% APR for 6, 12, 18 months on qualifying purchases), specific discounts on tires/services, exclusive cardholder-only sales, and loyalty rewards programs.
Holiday Promos: Black Friday, Memorial Day, Labor Day, 4th of July, seasonal tire sales events, and other national holidays.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy approval process, especially helpful for unexpected car repairs. Special financing offers (e.g., 6 or 12 months no interest) are great for large purchases. No annual fee makes it a decent option for specific needs at Big O Tires.
Top Negative:
Very high interest rate if the promotional period is missed or not paid in full. Customer service from Synchrony Bank can be difficult to deal with. Limited use, only accepted at Big O Tires, making it less versatile than general credit cards. Credit limits can be low, and increases are not always easy to get.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Goodyear Credit Card
- Discount Tire Credit Card
- Capital One Platinum Secured Card
Card Value Score: 40.0 / 100
Est. Annual Rewards: $15.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0