Discount Tire Credit Card
Basic Information
Program ID: discount-tire-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:49
Last Scraped: 01/15/2026 09:13
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: | N/A |
| 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: 2,124.00% - 2,924.00%
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: No traditional sign-up bonus (e.g., cash back, points, or statement credit for meeting a spending threshold) is currently advertised for the Discount Tire Credit Card on the Synchrony application page. The primary benefits highlighted are special financing offers on qualifying purchases.
Rewards Program
Reward Type: Promotional Financing & Store Discounts
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special financing offers on Discount Tire purchases; occasional discounts/rebates on qualifying Discount Tire products/services. This card does not offer a points-based reward system.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - This card primarily offers promotional financing and direct discounts, not an accumulating points currency. Promotional offers have specific expiration dates.
Transfer Partners: N/A - This card does not offer 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
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: The Discount Tire Credit Card, issued by Synchrony, primarily offers special financing options and exclusive cardholder discounts rather than traditional sign-up bonuses. Eligibility requirements for 2026 include being at least 18 years old (19 in Alabama and Nebraska), possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), being a U.S. resident, and demonstrating a credit history that meets Synchrony's criteria (typically fair to good credit). Approval is subject to income verification and overall creditworthiness. The main incentive is access to promotional financing offers, such as 0% APR for a specified period on qualifying purchases, and exclusive discounts on tires and services at Discount Tire locations.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A for traditional bonus; promotional financing offers apply to qualifying purchases made within specified promotional periods.
Shutdown Risk Triggers: Excessive credit seeking (numerous applications in a short timeframe), high cumulative credit limit across all Synchrony accounts, missed payments or delinquency, suspicious account activity, manufactured spending (though less common for store cards), and breach of cardholder terms and conditions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy approval for those with fair credit, useful for financing large tire/auto purchases, special promotional financing offers, no annual fee.
Top Negative Feedback:
High regular APR after promotional period, limited use outside Discount Tire, potential for deferred interest, customer service issues reported with Synchrony.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Pep Boys Credit Card
- Firestone Credit Card
- Discover it Chrome
Card Value Score: 68.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0