STS Tire & Auto Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: sts-tire-auto-credit-card

Issuer: Synchrony

Card Name: STS Tire & Auto Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 09:34

Last Scraped: Feb 17, 2026 09:36

Apply URL: Visit

Home 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
Account Management 1
Online Account Management
N/A

Provides access to an online portal for managing the credit card account, including viewing statements, making payments, setting up alerts, and updating personal information.

Financial Access 1
Dedicated Line of Credit
Varies by credit limit

Provides a dedicated line of credit specifically for purchases at STS Tire & Auto locations, covering tires, auto parts, service, and other automotive needs. This allows cardholders to manage their automotive expenses separately.

Financial Management 1
Convenient Monthly Payments
Varies by balance and payment terms

Cardholders can make convenient monthly payments on their outstanding balance, helping to manage their budget and spread out the cost of automotive services and purchases over time.

Financing 1
Special Financing Offers
Varies by promotion (e.g., 6 months, 12 months)

Cardholders may be eligible for special financing promotions on qualifying purchases made at STS Tire & Auto locations. These offers typically include deferred interest or 0% APR for a promotional period, provided the full promotional balance is paid by the due date. Specific offers vary and are subject to credit approval.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: None
Cash Advance: None
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: 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 required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the STS Tire & Auto Credit Card requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is contingent upon creditworthiness, typically requiring a fair to good credit score. The primary benefit of this card is access to special promotional financing offers on qualifying purchases made exclusively at STS Tire & Auto locations. These offers often include deferred interest promotions (e.g., 0% APR for 6, 12, or 18 months) on purchases exceeding a specified minimum, with interest accruing from the purchase date if the balance is not paid in full by the end of the promotional period. There are no traditional sign-up bonuses like cash back or points associated with this store card.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for traditional sign-up bonuses; primary benefit is promotional financing offers which have their own purchase thresholds and repayment terms.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive credit applications within a short period, missed payments or delinquency on any Synchrony account, suspected fraudulent activity, or abuse of promotional financing terms (e.g., repeated large purchases with no intent to pay off before deferred interest kicks in).

Cliff Effect Rules: Not applicable. The STS Tire & Auto Credit Card is a standalone store-specific financing product and does not belong to a 'card family' with inter-card rules or 'cliff effects' common in premium travel or cash back ecosystems.

Special Events: Exclusive discounts on specific auto services (e.g., oil changes, tire rotations, brake services), seasonal maintenance packages, and loyalty rewards for frequent STS Tire & Auto customers. Cardholders may receive early access to sales or special pricing on tires and parts.

Holiday Promos: Typically offers enhanced promotional financing during peak travel seasons (e.g., summer, holidays like Thanksgiving/Christmas for road trips), tax refund season (for major repairs), and specific sales events like Black Friday or Memorial Day for tire purchases.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, offers special financing on large purchases, useful for managing auto maintenance costs at STS Tire & Auto Centers, helps build credit history.

Top Negative:
High standard APR after promotional periods, limited acceptance only at STS Tire locations, reports of inconsistent customer service from Synchrony Bank, low credit limits for some users.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Pep Boys Synchrony Credit Card
  • Discount Tire Synchrony Credit Card
  • Capital One Platinum Secured Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $40.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2024-01