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Firestone Credit Card

Anya Kartashova
Updated on: 01/23/2019
RE®: 71
Our Rating
Firestone Credit Card
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For excellent/good credit
  • 85
    for Firestone Customers
  • 62
    for Cash Rewards
  • 75
    for Everyday Use

"Get six months of special financing on your next set of Firestone tires and exclusive cardholder discounts."

When it’s time to pick a credit card, consumers have plenty of options. The choices include travel rewards cards, cashback cards, balance transfer cards balance transfer cards and store cards. All of these credit cards are designed with a specific shopper in mind, and making the right decision isn’t always easy. What might work for you might not work for the next person.

The Firestone Complete Auto Care card issued by Credit First National Association offers consumers special financing terms and monthly coupons. If expensive car repairs or the need to replace all four tires on your vehicle are looming ahead, this credit card can help defer interest charges. The card offers 0% APR on purchases for the first six months after sale date, as long as the balance is paid within that time.

The Firestone credit card will not likely be the best choice for every type of consumer, and some might find another balance transfer card more useful. Let’s look at the details of the Firestone card and compare your options.

Features and Benefits of Firestone Credit Card

Firestone credit card members will pay no interest on purchases made with their card if a balance is paid off within six months of making a purchase. For the promo APR to apply, individual purchases must be at least $299. For example, vehicle repairs or new tires are only eligible as long as your total payment comes to $299. Keep in mind that the interest is deferred, which means that if a payment is late or the balance is not paid off within six months, an APR of 22.8 percent will apply to the original purchase amount. To meet the promo terms, simply divide the amount owed by six and pay that amount every month.

As a Firestone credit cardholder, you will receive monthly coupons and specials that can be used at participating Firestone locations. Additionally, if you undergo all maintenance at Firestone only and drive your car for your business or a side gig, it’s easy to access all car expenses in one place, and your complete vehicle maintenance history is stored with one company.

The Firestone Complete Auto Care card charges no annual fees.

What You Get

  • Deferred interest if balance is paid within six months
  • Monthly coupons exclusive to cardholders
  • Access to service history
  • No annual fee

In-Store Financing

The Firestone credit card offers 0% APR to cardholders whose individual purchases total $299 and are paid within six months since the purchases were made. A minimum payment must be made every month, and the full balance must be paid within six months. If a payment is missed or late, the zero-interest offer will no longer be honored. If a payment is late, your interest rate will change to 22.8 percent and will apply to the average daily balance. Because the interest rates on this credit card are quite high, I recommend making sure you’re able to pay off the balance within six months of purchase date. Otherwise, your original Firestone purchase will get more expensive quickly.

How Much Will You Earn with Firestone Credit Card?

Unfortunately, the Firestone credit card does not earn any rewards. The card’s main draw is its no-APR offer. However, Firestone cardholders will receive store coupons monthly that will help save money on car repairs and get back on track financially. Remember that purchases that are less than $299 do not qualify for the special interest rate and must be paid off in full if you want to avoid accumulating interest.

Should You Get the Firestone Credit Card?

It’s never good to hear the news that your car is in need of costly repairs or a new set of tires. You know it’ll be expensive, and you’re just not ready to pay a huge chunk of cash at once. The Firestone Complete Auto Care card might help you in this scenario, especially if you need to replace all four tires.

This credit card’s most attractive feature is the special financing offer. Every time you make a purchase of at least $299 and pay with the co-branded Firestone credit card, you have six months to pay off the purchase without paying interest. The catch is that you have to pay off the balance within six months since the date of purchase, otherwise interest will apply to the full amount. You have to create a payment plan that works for you. If you can be sure you can pay off your new tires or auto maintenance within the promotional period, it’s worth it. If you need more time a card with a longer 0% promo offer might be a better option.

Besides the promotional APR offer, this card lacks benefits. It doesn’t earn any rewards, be it cash back or points. Nada. However, as a cardholder, you’ll receive special discounts in the mail on service, such as oil changes or tire rotations. If you're primarily interested in interest-free financing for a big purchase, check out these other options.

If your credit history leaves a lot to be desired and you would like to improve your financial situation, store cards like the Firestone credit card are easier to obtain, and it might be a good idea to get one. On-time payment history will help you increase your score while paying no annual fees. Just make sure to make at least the minimum payment every month and pay off the balance in full in six months because the APR is too high be paying interest.

On the other hand, if your credit score is high enough, there are plenty of great balance transfer credit cards that are not affiliated with a specific brand. Many balance transfer cards offer longer promotional APR periods on both balance transfers and purchases. For example, the Chase Slate Credit Card offers no-interest on purchases or balance transfers made in the first 15 months of card membership. And Citi Simplicity Card offers 21 months of 0 percent APR on both balance transfers and purchases. Neither card charges annual fees, so there are definitely options when choosing a credit card with an introductory APR offer.


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

  • Where can I use my Firestone credit card?

    Unfortunately, the Firestone Complete Auto Care card is not on a Visa or a MasterCard card network, therefore it cannot be used anywhere but Firestone Tire and Rubber Company locations. The card can be swiped at any of the 1,600 Firestone locations for any purchase or service, and purchases that are more than $299 qualify for the special financing offer.
  • What credit score do I need to be approved for the Firestone credit card?

    Credit First National Association doesn’t require a high credit score to be qualified for the Firestone Complete Auto Care credit card. If your score is around 600, your chances of approval are good (but not guaranteed). If your credit score is lower, you results will vary and you might still be approved, but I recommend looking for ways to improve your score first. To find out where you stand with the credit bureaus, check your credit report. It’s always good to know your credit score before applying for an additional credit line.
  • When does the card starting charging interest?

    Zero APR applies for six months to all purchases that are at least $299. However, if you have remaining balance at the end of the promotional period or if a payment is late, APR of 22.8 percent will apply retroactively. The promo period begins on the purchase date. After your statement closes, you have 22 days to make a minimum payment. If at least one payment is late or you fail to pay it off in six months, interest rates will apply to your original balance. In order to avoid paying interest or late fees, make sure to make a minimum payment on time every month and pay off the entire balance within six months. Doing so will not only help you establish on-time payment history and increase your credit score over time, but you’ll also dodge some hefty fees.
  • When does the special APR apply?

    Many balance transfer cards and no-APR cards offer a longer than six months time period for the balance to be paid off, but once the introductory period is over, you can no longer get those low APR rates. With the Firestone credit card, you can enjoy 0 percent APR on all purchases of at least $299, even if they’re made two years after opening the card. You have to remember to pay off the balance within six months of making a large purchase, but the offer itself doesn’t have a time limit. Because the card charges no annual fees, you can keep it indefinitely and use it in an emergency. The longer you keep the account open, the longer you extend your credit history, which affects your score in a positive way.
  • Can I increase my credit limit?

    If for some reason you do not receive a large enough credit limit after being approved for this credit card, you can try calling CFNA after six months since account opening to request a credit limit review on an existing credit card account. The issuer might not offer a credit limit increase right away, but it might be possible to obtain a larger credit line over time, depending on your score and overall credit history. A credit limit request will result in a soft credit pull. Don’t try this if your account is past due. Calling for a credit limit review could decrease your credit line in that case. If you use the card for emergencies only, the limit should cover your needs.
  • What are my other options when purchasing tires from Firestone’s competitors?

    Discount Tire and Goodyear both offer co-branded credit cards as well. Discount Tire also offers no interest on large purchases, but the terms are slightly different. If you spend at least $199 at Discount Tire, you will have six months of 0 percent APR on that purchase. You have nine months to pay off purchases of at least $1,000 and 12 months to pay off purchases that are at least $1,500.
    Goodyear sets its minimum-spending requirement for no APR at $250 and offers 12 months to pay off the balance. Additionally, oil changes paid with the store’s credit card receive a $5 discount.
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Some Alternative Cards for Firestone Tire Shoppers

Store cards generally require a lower credit score to qualify, but cash-back cards offer a lot more value in return. Although the special financing offer on the Firestone credit card is decent, the card is limited in the way it can be used—at Firestone locations only. Let’s look at a few cash-back cards that earn rewards and offer promo APR terms.

Noannual fee
Firestone Credit Card

Check if Firestone Credit Card is the best option for you

Best Cashback Card

Citi Double Cash Card is one of the most rewarding no-fee cash-back cards out there. It earns 2.0 points per dollar spent in any category. You earn 1 percent back when you make a purchase and then another 1 percent back when you pay off the balance. Rewards are unlimited, and the card costs nothing to keep. The best part is that there’s no category restriction. Every single purchase earns cash back. Rewards can be applied toward any statement in any amount. Groceries? Gas? Car maintenance? Everything! When it comes to cash-back credit cards, Citi Double Cash is one of the best options on the market right now. The card also offers 0 percent APR on balance transfers made within the first four months for 18 months.

Best Rotating Category Card

Earn a 150 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.

Best Cashback Card with a Cash Bonus

With the Chase Freedom Unlimited Credit Card, you can earn $150 back in your pocket after spending just $500 in the first three months. The card earns a flat rate of 1.5 percent back on every purchase, and there’s a way to maximize that return. If you carry an Ultimate Rewards-earning card from Chase, such as Chase Sapphire Preferred or Chase Sapphire Reserve, then rewards earned with the Freedom Unlimited card turn into flexible points. The spending requirement is easy to meet, and the card charges no annual fees, which means all your rewards are free to keep. With this card, you can enjoy 15 months of 0 percent APR on purchases and balance transfers.

Best 0% APR Card

One reason you might be considering the Firestone card is to finance a big purchase. If this is the case, you may be better off with the no-annual-fee Capital One QuickSilver Rewards card instead. It offers a 0% APR for the first 15 months for purchases. You can put all of your purchases on the card and not pay interest for 15 months. You won’t be sacrificing earnings either as the QuickSilver Rewards card offers 1.5% cash back on every purchase. In addition, the QuickSilver Rewards card has a $150 sign-up bonus after spending just $500 in the first three months after card approval.

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
Credit First National AssociationCredit First National Association
Rewards Currency

Card Terms and Conditions

While it's easy to focus on the benefits of the Firestone 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:
Intro APR for balance transfers:
Ongoing APR:
22.80% Variable±
Minimum Grace Period:
23 days

Cash Advance Features

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

Security and Protections

Firestone and Credit First National Association offer cardholders zero fraud liability on charges made without proper authorization. You can manage your card account online, review activity, as well as check your balance and pay off your bill on the go. If you sign up for Go Paperless, statements come via email or can be accessed online. The card comes with a magnetic strip, not an EMV chip.

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.