Tire Discounters Credit Card
Basic Information
Program ID: tire-discounters-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Synchrony Car Care
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 17:59
Last Scraped: 01/15/2026 18:00
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: 2,999.00% - 2,999.00%
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 specific sign-up bonus or welcome offer (e.g., cash back, statement credit, or points for new cardmembers upon meeting a spending threshold) was found on the Tire Discounters financing page or the associated Synchrony application page as of the current date. The card primarily offers special financing promotions (e.g., 6, 12, 18 months special financing) rather than a traditional welcome bonus. Please note that credit card offers are dynamic and subject to change, especially by January 2026.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 0.00%
Bonus Reward Rate: 5.00%
Bonus Categories: Tire Discounters Purchases
Point Value Estimate: 1.0000 cents/point
Expiration Policy: Store credit typically expires 12-24 months after issuance or with account inactivity.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
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: Eligibility requirements for the Tire Discounters Credit Card (Synchrony) in 2026 include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a verifiable income. Approval is subject to creditworthiness and Synchrony Bank's underwriting criteria. New accounts may qualify for special promotional financing offers, such as 0% APR for a specified period on qualifying purchases over a certain amount. Specific offers vary and are subject to change. Store-specific restrictions apply, meaning the card is primarily for purchases at Tire Discounters locations or authorized affiliates.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Promotional financing periods typically range from 6 to 24 months, depending on the specific offer and purchase amount.
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, prolonged account inactivity, repeated late payments, defaulting on promotional financing terms, excessive applications for Synchrony products in a short period, or suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Easy approval process, useful for financing large auto repairs/tire purchases with deferred interest, no annual fee, exclusive cardholder offers.
Top Negative Feedback:
High APR if promotional financing terms are not met, customer service can be inconsistent, initial credit limits may be low, deferred interest can be confusing.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Goodyear Credit Card
- Mission Lane Visa® Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0