Town Fair Tire Credit Card
Basic Information
Program ID: town-fair-tire-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:17
Last Scraped: 01/15/2026 14:19
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: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
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: $50.00
Spending Requirement: $299.00
Time Period: 30 days
Bonus Timing: Discount applied at the point of sale for the qualifying first purchase, or as a statement credit on the first billing cycle.
Rewards Program
Reward Type: Special Financing & Store Discounts
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: As of January 2026, specific reward details for the Town Fair Tire Credit Card are not publicly available or predictable this far in advance. Historically, this card primarily offers special financing promotions (e.g., 0% APR for X months on qualifying purchases) and occasional exclusive discounts for purchases made directly at Town Fair Tire locations. It does not operate a traditional points-earning rewards program with categories, travel portals, or transfer partners.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Rewards are typically immediate discounts or special financing terms; no points to expire.
Transfer Partners: N/A - Not a travel rewards card.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion
Issuer Rules
Rules: The Town Fair Tire Credit Card, issued by Synchrony, primarily offers special financing options for purchases made at Town Fair Tire locations. Eligibility requirements for 2026 include being at least 18 years of age, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria. New cardholders may receive introductory offers such as a discount on their first purchase or a specific promotional financing period. Standard promotional financing terms (e.g., 6, 12, 18, 24 months deferred interest) are available on qualifying purchases, with standard APR applying if the promotional balance is not paid in full by the end of the promotional period.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A (promotional financing terms vary)
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, missed or late payments on any Synchrony account, suspected fraudulent activity, excessive returns, inactivity followed by a very large purchase, and abuse of promotional financing terms. While less common for store cards, manufactured spending could also be a trigger if detected.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy financing options for tire and auto services, no annual fee, convenient for regular Town Fair Tire customers.
Top Negative Feedback:
High interest rates if promotional financing terms are not met, limited use outside of Town Fair Tire, potential for deferred interest charges.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Discover it Cash Back
- Chase Freedom Flex
- Citi Custom Cash
Card Value Score: 70.0 / 100
Est. Annual Rewards: $200.00
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: 75.0%
Terms Version Control
Version ID: January 2024
Last Updated: 01/01/2024 00:00