Jack Williams Tire Credit Card

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: jack-williams-tire-credit-card

Issuer: Synchrony

Card Name: Jack Williams Tire Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:38

Last Scraped: Feb 17, 2026 04:40

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 2 Total
PENDING
Account Management 1
Online Account Management

Access and manage your Jack Williams Tire credit card account online, including viewing statements, making payments, and updating personal information.

Financing 1
Special Financing Offers
Varies by promotion

Cardholders may be eligible for special financing promotions on qualifying purchases made at Jack Williams Tire locations, allowing for deferred interest or reduced APR periods.

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

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Fee Structure
PENDING
Annual Fee: $0.00
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Not specified
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Jack Williams Tire Credit Card, issued by Synchrony, primarily offers special financing options rather than traditional sign-up bonuses. Eligibility requirements for 2026 include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and demonstrating sufficient income and an acceptable credit history. Applications are typically processed online or in-store, often with instant approval. The core 'bonus' is usually deferred interest financing (e.g., 'no interest if paid in full within 6, 12, or 18 months' on qualifying purchases), which is subject to specific purchase minimums and promotional periods. Standard APR applies if the promotional balance is not paid in full by the end of the period.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional sign-up bonus. Promotional financing terms (e.g., '6 months') dictate the period to pay off a balance to avoid accrued interest.

Shutdown Risk Triggers: Common triggers for Synchrony include: high cumulative credit limit across multiple Synchrony accounts, rapid application for numerous Synchrony cards within a short timeframe, defaulting on any Synchrony-issued account, suspicious spending patterns inconsistent with a tire store card (e.g., unusual transaction volume or types), and repeated late payments or failure to meet minimum payment requirements.

Cliff Effect Rules: Synchrony does not typically have 'card family' bonus restrictions across different store card products. However, approval for new Synchrony accounts becomes increasingly difficult with a high number of existing Synchrony cards due to overall credit exposure limits. The primary 'cliff effect' for this card relates to its deferred interest financing: if the promotional balance is not paid in full by the end of the specified period, all accrued interest from the original purchase date will be retroactively charged to the account.

Special Events: Expect promotional financing offers and potential discounts during key periods such as: Spring Tire Event (March-April), Summer Road Trip Prep (May-June), Fall/Winter Tire Savings (September-November), Black Friday/Cyber Monday, and specific brand-sponsored rebate events (e.g., Michelin, Goodyear).

Holiday Promos: Promotional financing and special offers are common during major retail holidays including New Year's Day, Valentine's Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving/Black Friday/Cyber Monday week, and the entire Christmas/Holiday shopping season.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Special financing offers are beneficial for large purchases, easy to get approved, useful for specific store needs.

Top Negative:
High interest rates after promotional period, customer service can be challenging, limited use outside the specific merchant.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Pep Boys Synchrony Credit Card
  • Discount Tire Synchrony Credit Card
  • Goodyear Credit Card

Card Value Score: 50.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
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