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Basic Information
PENDING

Program ID: tire-kingdom-credit-card

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 16:33

Last Scraped: Feb 17, 2026 16:35

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 4 Total
PENDING
Account Management 1
Online Account Management
Online access

Access to an online portal to manage the credit card account, including viewing statements, making payments, updating personal information, and tracking account activity.

Financial 2
No Annual Fee
$0

The credit card does not charge an annual fee for card membership, allowing cardholders to maintain their account without recurring costs.

Convenient Minimum Monthly Payments
Varies based on balance and terms

Cardholders can make convenient minimum monthly payments on their outstanding balance, providing flexibility in managing their finances.

Shopping 1
Special Financing Offers
Varies by promotional offer

Access to special financing promotions on qualifying purchases made with the Tire Kingdom Credit Card. These offers typically include deferred interest or equal payment plans for specific purchase amounts or durations.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR:

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 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Tire Kingdom Credit Card, issued by Synchrony Bank, is primarily designed for purchases made at Tire Kingdom locations. Eligibility requirements for 2026 include being 18 years or older, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony Bank's creditworthiness criteria. The card's main 'bonus' features are access to special deferred interest financing offers on qualifying purchases and exclusive cardholder discounts at Tire Kingdom. Application is typically available online or in-store, with approval contingent on a credit review by Synchrony Bank. The card is generally restricted to use within Tire Kingdom's network.

Max Cards Per Issuer: 5

Min Spend Interval: Store cards like this typically do not have a traditional 'minimum spend interval' for a sign-up bonus. Instead, promotional financing offers (e.g., 6, 12, or 18 months deferred interest) will have their own specific purchase amount and timeframes to qualify.

Shutdown Risk Triggers: Common triggers for Synchrony card shutdowns include high cumulative credit exposure across multiple Synchrony accounts, missed or consistently late payments on any Synchrony product, defaulting on other credit obligations, suspected fraudulent activity, and repeatedly failing to pay off deferred interest balances before the promotional period ends (leading to high interest accrual). Excessive credit limit increase requests across multiple Synchrony cards in a short period can also be a red flag.

Cliff Effect Rules: Synchrony does not operate with 'card families' in the traditional sense of premium travel cards. However, an individual's total credit exposure across all Synchrony accounts can impact approval for additional Synchrony products. While there isn't a hard 'cliff,' having multiple high-limit Synchrony cards may lead to denials for new applications due to the issuer's internal limits on overall credit extended to a single customer.

Special Events: Expect exclusive discounts on specific tire brands or services (e.g., 'Buy 3 Get 1 Free' tire promotions, discounted oil changes, brake services), special financing terms for large purchases (e.g., 24 months deferred interest on purchases over $1000), 'Cardholder Appreciation Days' with additional savings, and seasonal maintenance package deals.

Holiday Promos: Key promotional periods will align with major U.S. holidays such as Memorial Day, 4th of July, Labor Day, Black Friday/Cyber Monday, and the Christmas/New Year shopping season. Additionally, expect promotions during seasonal auto care periods like 'Spring Car Care' (March-April) and 'Winter Tire Safety' (October-November).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, special financing offers on Tire Kingdom purchases, and exclusive discounts.

Top Negative:
High regular APR, deferred interest can be tricky, limited use outside Tire Kingdom, and occasional customer service frustrations.

Approval Experience: 78.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Card
  • Discover it® Secured Credit Card
  • Amazon Store Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0