Tire Works Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: tire-works-credit-card

Issuer: Synchrony

Card Name: Tire Works Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:34

Last Scraped: Feb 17, 2026 10:36

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

Quarterly Rotating: No

Benefits & Protections (Detailed) 4 Total
PENDING
Convenience 1
Online Account Management
24/7 Online Access

Cardholders can manage their account online 24/7, including viewing statements, making payments, and updating personal information through Synchrony's online portal.

Financial 2
No Annual Fee
$0 Annual Fee

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

Convenient Monthly Payments
Flexible Payment Options

The card offers convenient monthly payment options to help cardholders manage their purchases and budget effectively.

Financing 1
Special Financing Offers
Varies by promotion (e.g., No interest if paid in full within 6 months on purchases of $199 or more)

Cardholders may be eligible for special financing promotions on qualifying purchases made at Tire Works locations. These offers typically involve deferred interest if the promotional balance is paid in full within a specified period.

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
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.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Not specified
Application Process
Not specified
Not specified
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Tire Works Credit Card, issued by Synchrony, primarily offers promotional financing options rather than traditional sign-up bonuses. Eligibility requirements for application include being at least 18 years of age, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria, which involves a review of credit history and income. Applications can typically be completed online or in-store, often with an instant decision. The card is subject to store-specific restrictions, meaning it is primarily accepted at Tire Works locations and potentially their authorized affiliates within the United States. Promotional financing offers (e.g., 0% APR for a specified period on qualifying purchases) are dynamic and depend on current store promotions and purchase amounts.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for traditional sign-up bonuses; promotional financing offers have specific payment terms (e.g., 'pay in full by X date').

Shutdown Risk Triggers: Missed or late payments, high utilization across multiple Synchrony accounts, exceeding internal cumulative credit limits, suspicious or fraudulent activity, bankruptcy filings, significant adverse changes in credit profile, or unusual spending patterns inconsistent with typical store purchases.

Cliff Effect Rules: Not applicable; Synchrony store cards generally operate independently without complex card family rules or 'cliff effects' tied to other Synchrony products.

Special Events: Exclusive cardholder discounts, early access to sales events, special financing offers tied to specific store promotions (e.g., 'Tire Sale Event,' 'Service Special,' 'Spring Maintenance Event').

Holiday Promos: Enhanced promotional financing offers or discounts during major U.S. holidays and retail seasons (e.g., Black Friday, Memorial Day, Labor Day, Christmas/New Year, Independence Day).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Access to special financing offers for auto services and tires, easy application process, and convenient online account management.

Top Negative:
High standard APR after promotional period, limited use outside of Tire Works, and potential for deferred interest charges if balances are not paid in full.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One Platinum Secured Card
  • Discount Tire Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $10.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: February 2024

Last Updated: Feb 01, 2024 00:00