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Discount Tire Credit Card

Christine Krzyszton
Updated on: 02/27/2018
RE®: 70
Our Rating
Discount Tire Credit Card
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For excellent/good credit

"Get up to a year of interest-free financing on your next set of tires."

Discount Tire has been around since the 1960s and operates over 900 stores throughout the country. Since the company is known for its low prices, quality products and good service, consumers naturally consider the retailer when they need new tires. These customers are precisely the market for the Discount Tire credit card issued by Synchrony Bank.

At the point of purchase, consumers confronted with spending a large amount of money on tires or car repairs might find no-interest financing very appealing. The Discount Tire card can ease the pain with options for 6, 9 or 12 months of 0% APR financing. That’s all you’ll get with the card, however, as there is no sign-up bonus, cash back or other rewards program.

You’ll need to be diligent in paying off the financed balance on time as late fees and high interest rates will negate any benefit of the initial interest-free financing. While the card can be used at affiliated retailers, including some gas stations, you’ll need to pay off those balances each statement period to avoid the 26.99% APR charged on purchases.

If you’re planning on a large tire purchase, you would do better with a cashback card that has a promotional interest-free financing offer. That way you’ll also earn rewards for your Discount Tire purchase and on future purchases from other retailers.

Features and Benefits of Discount Tire Credit Card

Consumers considering the Discount Tire card are probably interested in financing their tire purchase and would therefore find value in the ability to spread payments out over time. Beyond the special financing benefit, the Discount Tire card offers very few features and benefits. For example, there is no sign-up bonus or a rewards program.

Cardholders do benefit from the card being affiliated with the Car Care Network and may find value in being able to use it at thousands of car care retailers throughout the country. If you’re traveling and your car breaks down, you could use the card to pay for the repair at one of the affiliated retailers. You can also purchase gas at affiliated gas stations.

As part of the Synchrony Car Care Network , you will get access to some special incentives and promotions, including periodic rebates on tire purchases and exclusive discounts. The card does not charge an annual fee.

What You Get

  • 6 to 12 months of 0% APR financing on Discount Tire purchases over $199
  • Access to incentives, promotions, sales and rebates through the Synchrony Car Care Network

In-Store Financing

The primary benefit of the Discount Tire card is the special financing offered to cardholders. Having access to a payment plan when you’re faced with a large tire purchase can be a welcome option. The Discount Tire card is designed specifically for this situation.

When your tire purchase is at least $199, but no greater than $999, you qualify for six months of 0% APR financing once you’re approved for the card. Purchases of $1,000 to $1,499 qualify for nine months of financing. If your purchase is $1,500 or greater, you’ll be able to finance the amount for a full 12 months. The best part of financing your purchase is that you will not be charged any interest for the full length of your financing period, whether it is 6, 9 or 12 months.

During the 0% APR financing period, you must make regular payments each statement period. Failure to make an on-time payment will result in a $35 late fee.

You must also be diligent and make sure you pay off the balance of your financed amount by the deadline. Failure to do so will result in interest being charged and applied to your account at the 26.99% APR rate retroactive back to the date of your purchase. This can be an expensive outcome and negates the reason you may have initially considered the Discount Tire card.

Customer Perks

Other than special 0% APR financing, there are no specific cardholder perks that are unique to Discount Tire cardholders. However, since the card is part of Synchrony Bank’s Car Care Network, cardholders can benefit from promotional offerings at retailers within the network, which can include rebates, special sales and discounts.

How Much Will You Earn with Discount Tire Credit Card?

The Discount Tire card does not have a rewards program, and it does not offer cash back in any form. The only benefit to cardholders is the special financing plans that offer 0% interest during the financing period. These financing plans can help consumers save money if they would otherwise be utilizing an interest-bearing credit card to charge their tire purchase.

Should You Get the Discount Tire Credit Card?

The Discount Tire card is designed to offer special financing options to consumers who are making a large purchase. The card offers 0% financing for purchases of $199 or more, plus the ability to use the card at other retailers and gas stations in the Synchrony Car Care Network.

However, that’s where the benefits of having the card end. If you’re willing to take a hit on your credit to finance your tires, consider applying in advance for a card that offers a sign-up bonus and cash back in addition to 0% financing. By the time you’re at the Discount Tire store and find out it is going to cost you $1,000 to put tires on your car, it may be too late to consider alternative credit cards with better benefits.

Consumers who know they’re going to need tires and would like to finance the purchase should consider getting the Chase Freedom Unlimited or the Barclay Cash Forward World MasterCard in advance. That $1,000 tire purchase put on either of these cards will earn you 1.5 percent cash back. That would be an easy $15 back.

These cards also offers 15 statement periods of 0% interest on any purchases. You’re not required to spend $1,500 to qualify for a year of financing, as you are with the Discount Tire card. You would also earn a sign-up bonus with either the Cash Forward or Freedom cards. As with any promotion financing program, you’ll still have to make minimum monthly payments and pay off your balance by the due date to avoid heavy interest charges.

By the time you’re at the Discount Tire store and in the process of purchasing tires, it might seem convenient and appropriate to apply for the Discount Tire card to finance your purchase. However, if you plan ahead, you’ll do better with a cashback card that offers a sign-up bonus, cash back on all purchases and 0% financing.


Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • How does the special financing work?

    The primary reason consumers would consider the Discount Tire card is for the special financing. It’s available as soon as you’re approved for the card. When your purchase at a Discount Tire store is $199 or more, you can qualify for financing for at least six months, depending on the total amount of your purchase.
    Purchases of $199 to $999 qualify for six months financing; purchases of $1,000 to $1,499 qualify for financing for nine months of financing; and purchases of $1,500 or more can be financed for a year. Interest will not be charged as long as you make the monthly minimum payments and pay off the balance by the end of the financing period.
  • What happens if I miss my payment or don’t pay off the amount of my purchase by the special financing deadline?

    During the special 0% APR financing period, you must make regular minimum payments every month. If you are late on any of your payments, you will be charged a fee of $35, plus interest of 26.99%. If you do not pay off the entire balance by the due date, you will be charged interest back to the date of purchase at the same 26.99% rate.
    If you secure the Discount Tire card and finance your purchase, you’ll want to make sure you keep track of when your payment is due and pay off your balance in full prior to the end of your financing period. If you don’t, you’ll end up paying significant fees and interest charges.
  • How does the Discount Tire store card differ from a regular Visa or MasterCard?

    The Discount Tire card is a store-branded credit card, which is not affiliated with Visa, MasterCard, American Express or Discover. It is offered by Synchrony Bank, which issues dozens of store credit cards.
    These store cards are limited in ancillary benefits and, in many cases, only allow you to use your card at affiliated retailers. Store cards can also belong to an affiliated network, which is the case with the Discount Tire card. The card is affiliated with Synchrony Bank’s Car Care Network, which allows you to use your card at other retail stores and gas stations that are also members of the network.
  • Where else can I use my Discount Tire card?

    The Discount Tire card belongs to the Synchrony Car Care Network. The benefit to you is that you are able to use your card at affiliated gas stations across the country, such as Exxon, Mobil, Chevron and Texaco. If you’re in need of a vehicle repair, you can also use it to charge services at hundreds of car repair retailers. This would certainly be a benefit if you have an unexpected car repair expense.
  • Can the gas station or other Car Care Network purchases also be financed?

    While you can utilize the special financing options for purchases at other affiliated tire and repair facilities in the network, you cannot finance gas purchases.
  • Can I access my Discount Tire card account online?

    You can access your Discount Tire card account online and on your mobile device. You’ll be able to conveniently review your statements, check your promotional financing balances, make current payments and set up future automated payments. You’ll also be able to view or modify your profile and track your transactions.
    Online access offers you the opportunity to set up alerts that can remind you when your bill is due or notify you that a transaction has been made on your account. You’ll have access to information to help you avoid fraud and to dispute unauthorized transactions. Accessing your account online also allows you to review the terms and conditions of your card agreement.
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Compare Synchrony Car Care Cards

Synchrony Bank issues dozens of store-branded credit cards, including the three tire store cards we’ll compare below. All of these cards are part of the Synchrony Car Care Network, which allows cardholders to utilize each of these cards at thousands of car care businesses, including thousands of gas stations. If you’re a consumer purchasing tires for your vehicle at any of these retailers, you may be offered the opportunity at the time of purchase to finance your tire purchase by securing one of these cards. All of these cards require your purchase to be at least $199 before qualifying for special financing options. Let’s see how the cards stack up.

Discount Tire Credit Card
For Excellent/Good Credit
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Compare Cards in the Same Lineup

Sign-up bonus0 cashback0 cashback0 cashback
Annual Fee




APR On Purchases29.99% Variable±26.99% Variable±29.99% Variable±
Foreign Fee0%0%0%
Bonus Value$0$0$0
Second Year Value$0$0$0

While none of these tire store credit cards charge an annual fee, there are also no rewards programs, sign-up bonuses or ongoing promotional incentives for future spending. The cards are meant for the primary purpose of financing your imminent tire or car repair purchase at the affiliated retailer.

When we compare financing options, the Kauffman Tire credit card has the best option. That card requires a purchase of only $750 to qualify for its 12 months of financing. The Tire Pros Preferred Customer credit card limits financing to only six months for purchases of $199 or more. The Discount Tire card requires a purchase of $1,500to receive 12 month financing.

Special financing options defer interest rates for a specific period of time. If you do not pay off the entire balance by end of the financing period, you will be subject to interest charges going back to the date of your purchase.

The Discount Tire card charges the lowest interest rate of the three cards at 26.99 percent. Both the Tire Pros credit card and the Kauffman Tire credit card charge 29.99 percent. If you choose to secure any of these three cards, you’ll want to make sure you pay off your balance prior to the due date to avoid these outrageous interest charges.

Some Alternative Cards for Discount Tire Shoppers

Store-branded credit cards, in general, are frequently secured at point of sale. You’re ready to make a purchase and presented with an opportunity to receive a discount or secure special financing. In the case of the Discount Tire card, you may be presented with a means of financing your purchase, but you’ll receive little else. Cashback credit cards, such as the ones below, offer you much more for the same purchase. You’ll be able to earn cash back for all of your purchases. You won’t be limited to specific retailers, as you are with the Discount Tire card.

6 to 12months of 0% APR financing
Discount Tire Credit Card

Check if Discount Tire Credit Card is the best option for you

Best 0% Introductory APR Card

Chase Freedom Unlimited is an excellent alternative to the Discount Tire card. Cardholders receive 15 statement periods of 0% interest on their purchases, and your purchase does not have to exceed a specific amount. The Discount Tire card requires your purchase to be $1,500 or more to qualify for 12 months of 0% APR financing.

You’ll also receive 1.5 percent cash back on your entire purchase with the Freedom card. That’s $15 back on a $1,000 tire purchase. You can use that to help offset the cost of your purchase.

In addition, the sign-up bonus for the Chase Freedom Unlimited is $150 after spending $500 within the first three months after approval. That could be $150 more towards your new tires.

Best Rotating Category Card

The Discover it Cashback Match card earns at least 1 percent back for every dollar you spend on the card. Each quarter there are spending categories that earn a total bonus of 5.0 percent back. At the end of 12 months, you’ll receive a cashback match of all of the cash back you’ve earned throughout the year.

Rotating categories often include department stores, warehouse clubs or other retailers where you could purchase tires. If you made your $1,000 tire purchase at one of the quarterly 5.0 percent stores, it would get you a total of $100 back purchase after the match at the end of your first year. Plus, you’ll earn cash back on all of your everyday purchases.

The Discover it Cashback Match card has 0% APR on your purchases for a 14 month period, so you can still finance your big tire purchase. The card does not have an annual fee.

Get the Biggest Bonus

Earn a 15,000 points bonus with the Chase Freedom after spending $500 in the first three months of card membership. Get 5 points per dollar spent on select rotating bonus categories. The points you earn with this card will never expire as long as your account is open. There’s also no limit on the amount of points you can earn, though the 5 percent bonus for select categories is only good for $1,500 worth of purchases per quarter. After reaching that cap, you’ll earn the standard 1 percent back.

This card also comes with 0% APR for 15 months on both new purchases and balance transfers. That makes this card a good choice if you’re thinking about making a big purchase that you’d want to pay off over time.

Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details
Good credit score
From 700 to 749
Synchrony BankSynchrony Bank
Rewards Currency

Card Terms and Conditions

While it's easy to focus on the benefits of the Discount Tire card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this card.


Intro APR:
See Terms and Conditions
Intro APR for balance transfers:
See Terms and Conditions
Ongoing APR:
26.99% Variable±
Minimum Grace Period:
23 days
Special Large Purchase Financing:
0% APR financing allows you to spread your payments over a deferred interest repayment period. If your balance is paid off by the deadline, no interest is incurred.

Cash Advance Features

Ongoing APR:
See Terms and Conditions
Cash Advance Fee:
See Terms and Conditions

Security and Protections

The Discount Tire card, like other store-branded credit cards, offers few security features. The card does have online account access, mobile access, chip technology and digital payment capabilities.

Online Account Access:
You can manage your Discount Tire card account online. You can set up account alerts, payment due reminders and automatic payments, as well as review your balances and transaction history.
Chip Technology:
Your card has an embedded chip, which offers an extra layer of security when used at chip-enabled terminals.
Mobile Access:
Allows you to pay bills and access your account on your mobile device.
Digital Payments:
Your Discount Tire card is compatible with Apple Pay and Samsung Pay.

Additional Cardholder Benefits

Since the Discount Tire card is not affiliated with any major credit card network such as Visa, MasterCard or American Express, it does not offer any additional cardholder benefits.