Tire Pros Credit Card

Synchrony Pending

Back Apply Now

3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: tire-pros-credit-card

Issuer: Synchrony

Card Name: Tire Pros Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:32

Last Scraped: Feb 17, 2026 10:34

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) 3 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The Tire Pros Credit Card does not charge an annual fee for card membership.

Financing 1
Special Financing Offers
Varies by promotion

Access to special financing promotions on qualifying purchases made with the Tire Pros Credit Card. Specific terms, including minimum purchase amounts and promotional periods, are available at participating Tire Pros locations.

Shopping 1
Exclusive Cardholder Offers
Varies by offer

Receive exclusive discounts, promotions, and special deals available only to Tire Pros Credit Cardholders.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
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. See store for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Tire Pros Credit Card, issued by Synchrony, is a private-label store card primarily offering promotional financing on purchases made at participating Tire Pros locations. Eligibility requirements for 2026 are expected to remain consistent with Synchrony's standard criteria: applicants must be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and possess verifiable income. Approval is subject to Synchrony's creditworthiness assessment, which for store cards can sometimes accommodate a broader range of credit scores compared to general-purpose credit cards. The primary 'bonus' is typically deferred interest financing (e.g., 0% APR for a specified period if paid in full), rather than a traditional sign-up bonus. Specific promotional offers and their terms will vary and are subject to change.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for a traditional sign-up bonus; promotional financing offers have their own specific terms (e.g., 'no interest if paid in full within X months').

Shutdown Risk Triggers: Common triggers for Synchrony include: rapid application for multiple Synchrony-issued cards, high cumulative credit limit across all Synchrony accounts, frequent or aggressive credit limit increase (CLI) requests, high utilization on Synchrony cards, defaulting on any Synchrony account, or suspicious spending patterns that might indicate fraud (though less common for a closed-loop store card).

Cliff Effect Rules: Synchrony does not typically operate with 'card family' cliff effect rules like some major issuers. However, your overall credit relationship and exposure with Synchrony as an issuer will influence approvals for new cards and credit limit increases. Having too many Synchrony accounts or a high total credit limit across their portfolio can lead to denials for new applications or CLIs, as they manage their total risk exposure per customer.

Special Events: Promotional periods often align with seasonal automotive needs, such as 'Spring Tire Event,' 'Winterization Specials,' 'Brake Service Deals,' or new tire product launches. These events typically feature special financing offers or discounts on specific services and products.

Holiday Promos: Expect promotional financing offers and potential discounts during major U.S. holidays and retail periods, including but not limited to: Memorial Day, Independence Day, Labor Day, Black Friday/Cyber Monday, Christmas, New Year's, and potentially during tax season (early spring) for vehicle maintenance and repair needs.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.6 / 5.0

Top Positive:
Access to special financing promotions, wide acceptance at automotive service and fuel locations, and convenient for managing auto-related expenses.

Top Negative:
High standard APR and potential pitfalls with deferred interest if promotional terms are not met, coupled with reported issues regarding Synchrony Bank's customer service.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Citi Custom Cash
  • PenFed Platinum Rewards Visa Signature Card
  • Discover it Chrome

Card Value Score: 60.0 / 100

Est. Annual Rewards: $25.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: 03/01/2024