5
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
PENDINGQuarterly Rotating: No
Benefits & Protections (Detailed) 5 Total
PENDINGFinancial 1
No Annual Fee
$0The Modern Tire credit card does not charge an annual fee for card membership.
Lifestyle 1
Online Account Management
Cardholders can conveniently manage their Modern Tire credit card account online, including viewing statements, making payments, and checking balances.
Security 1
Zero Fraud Liability
Full protectionCardholders are not responsible for unauthorized charges made with their Modern Tire credit card.
Shopping 2
Special Financing Offers
Varies by promotionCardholders may qualify for special financing promotions on eligible purchases made at Modern Tire. Specific terms, minimum purchase requirements, and promotional periods apply and vary by offer.
Exclusive Cardholder Offers
Varies by offerAccess to special promotions, discounts, and savings opportunities available only to Modern Tire credit cardholders.
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
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 |
| Balance Transfer: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Application Eligibility: Applicants must be at least 18 years old (19 in AL/NE), possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), have a verifiable U.S. street address, and demonstrate a stable source of income. All applications are subject to Synchrony Bank's credit approval process. Bonus Rule: New cardholders typically receive promotional financing offers, such as 0% APR for 6 months on purchases of $299 or more, or 0% APR for 12 months on purchases of $599 or more, made at participating Modern Tire locations. Standard APR applies after the promotional period if the balance is not paid in full. Card usage is strictly limited to Modern Tire retail and online channels.
Max Cards Per Issuer: 7
Min Spend Interval: N/A for traditional bonus spend; promotional financing applies to qualifying purchases at the time of transaction.
Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' or 'once per lifetime' rules like some major issuers. However, approvals for new Synchrony cards are heavily influenced by the applicant's existing credit relationship with Synchrony, including the total credit extended and payment history. A high number of existing Synchrony accounts or a high cumulative credit limit can make it more difficult to be approved for additional cards, acting as a de facto 'cliff effect' based on overall credit exposure.
Special Events: Expect seasonal promotions such as 'Buy 3 Get 1 Free' on select tires, discounts on installation services, rebates on specific tire brands, and special financing offers during peak tire buying seasons (e.g., spring, fall, winter preparation).
Holiday Promos: Key promotional periods include Black Friday/Cyber Monday, Memorial Day, Labor Day, 4th of July, and year-end clearance events. Specific tire-related holidays like 'National Tire Safety Week' may also feature special offers.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Easy approval, useful for auto expenses and gas, special financing offers are helpful for large repairs, good for building credit.
Top Negative:
High interest rates if promotional period is missed, customer service can be difficult, limited acceptance outside of auto/gas, credit limit can be low.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Discover it Secured
- Capital One Platinum
- Goodyear Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0