Discount Tire Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: discount-tire-store-card

Issuer: Synchrony

Card Name: Discount Tire Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:21

Last Scraped: Feb 16, 2026 18:23

Apply URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The Discount Tire Credit Card does not charge an annual fee for card membership.

Financing 1
6 Months Special Financing
6 Months on purchases $199+

Receive 6 months of special financing on qualifying purchases of $199 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 months. Minimum monthly payments required.

Lifestyle 1
Easy Online Account Management
Online access

Access and manage your Discount Tire Credit Card account conveniently online, including viewing statements, making payments, and checking balances.

Shopping 1
Exclusive Cardholder Offers
Varies by offer

Access to special promotions and discounts available only to Discount Tire Credit Cardholders.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Special Financing

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments are required. Valid for single transaction only. Purchases must be made in a single transaction. No interest will be assessed on the promotional purchase if you pay the promotional purchase amount in full within 6 months. If you do not, interest will be assessed on the promotional purchase from the date of purchase.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: The Discount Tire Store Card, issued by Synchrony, primarily offers promotional financing on purchases made at Discount Tire locations. Eligibility requirements for 2026 are expected to remain consistent: applicants must be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria, which includes credit score, income, existing debt, and current Synchrony account relationships. There is no traditional sign-up bonus (e.g., points or cash back) associated with this card; its primary benefit is special financing offers (e.g., 0% APR for a specified period on qualifying purchases). Application can typically be done online or in-store, often with an instant decision.

Max Cards Per Issuer: 4

Min Spend Interval: Not applicable; benefits are promotional financing offers on qualifying purchases rather than a traditional sign-up bonus with a spend requirement.

Shutdown Risk Triggers: Common triggers for Synchrony account shutdown include: high cumulative credit limit across all Synchrony accounts, defaulting on any Synchrony-issued credit product, suspicious or fraudulent activity, and excessive credit seeking (applying for numerous Synchrony cards in a short timeframe, indicating potential credit risk).

Cliff Effect Rules: No traditional 'cliff effect' rules (e.g., once-per-lifetime bonus eligibility) are typically associated with Synchrony store cards. Promotional financing offers are generally independent but are subject to specific terms and conditions, such as minimum purchase amounts or specific product categories.

Special Events: Discount Tire frequently runs special financing promotions tied to seasonal tire buying periods (e.g., spring, fall), new product releases, or specific service packages (e.g., brake service, alignment). These events often coincide with increased customer traffic or specific automotive needs.

Holiday Promos: Expect promotional financing offers and special discounts during major U.S. holiday periods, including but not limited to Memorial Day, 4th of July, Labor Day, Black Friday, and year-end sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.7 / 5.0

Top Positive:
Easy approval process, useful for financing large tire purchases, helps build credit, offers special promotional financing.

Top Negative:
High APR after promotional period, poor customer service from Synchrony Bank, limited use outside Discount Tire, issues with account management.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Pep Boys Credit Card
  • Firestone Credit Card
  • Capital One QuicksilverOne

Card Value Score: 60.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2023-10-01