SY
Synchrony

America's Tire Credit Card

Credit
$0 Annual Fee
29.99% Variable Purchase APR
580+ Recommended FICO
Browse Cards Synchrony America's Tire Credit Card

Rewards

CategoryRateTypeCap
All Purchases
The America's Tire Credit Card is a deferred-interest promotional financing product issued by Synchrony Bank for tire and auto service purchases at America's Tire locations and does not earn rewards, points, miles, or cash back on purchases.
0x Cash Back No cap

Benefits & Protections

BenefitCategoryValue / Coverage
Online Account Management
Easy access to manage the credit card account online, including viewing statements, making payments, and updating personal information.
Account Management
Convenient Monthly Payments
Cardholders can manage their purchases with convenient monthly payment options.
Financial
No Annual Fee
The America's Tire credit card does not charge an annual fee for card membership.
Financial $0 annual fee
Up to $0
Exclusive Cardholder Offers
Cardholders receive access to exclusive discounts, promotions, and special offers.
Shopping Varies by offer
Special Financing Offers
Access to special financing promotions on qualifying purchases made with the America's Tire credit card. Subject to credit approval and minimum monthly payments.
Shopping Varies by promotional offer

Interest Rates

Purchase APR29.99% Variable
Cash Advance APR29.99%
Min. Interest Charge$2
Deferred Interest Warning: No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date. Minimum monthly payments are required. The regular APR for purchases will apply to the promotional purchase if you do not pay the promotional purchase amount in full within the promotional period.

Fees

Annual Fee $0 — No Annual Fee
Authorized User FeeFree
Late Payment FeeUp to $41
Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyEasy
Credit ProfileFair
Approval OddsGood
Decision TimeInstant
Pre-QualificationNot available
Co-ApplicantNot allowed
Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers
Excessive cash advances, application fraud or misrepresentation, using the card outside of authorized America's Tire locations
International Friendly
May have limitations for international use.
Additional Issuer Rules
The America's Tire Credit Card is a Synchrony Bank deferred-interest store financing card with no rewards program and no welcome bonus, so no bonus restrictions, 48-month clock rules, or card-family cliff effects apply. Synchrony does not enforce the same type of issuer-wide application velocity rules as major bank issuers, though applying for multiple Synchrony accounts in a short period can result in denials due to recent inquiry sensitivity. The card is usable only at America's Tire locations and does not function as a general-purpose credit card.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
Synchrony
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
APR 29.99% Variable
Quick Summary
Annual Fee Free
Min. FICO580+
Card TypeCredit
Online
Ask any doubts about cards.
Gemini 2.2 Ver