Big O Tires Credit Card
Basic Information
Program ID: big-o-tires-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 17:57
Last Scraped: 01/15/2026 17:59
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: | $41.00 |
| Returned Payment: | $41.00 |
| 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: $0.00
Time Period: 0 days
Bonus 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.
Rewards Program
Reward Type: Special Financing & Discounts
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special financing offers and exclusive discounts on Big O Tires purchases.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Benefits are primarily financing offers and immediate discounts, not points that expire.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 640 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A - Store cards typically offer promotional financing or immediate discounts rather than traditional spend bonuses with a time limit.
Shutdown Risk Triggers: Late payments, defaulting on promotional financing terms, suspicious or fraudulent activity, high cumulative credit limit across Synchrony products relative to income, excessive credit seeking, or significant negative changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0