Big O Tires Credit Card Review: Rewards, Fees & Benefits

Rewards

Category	Rate	Type	Cap
All Other Purchases The card does not earn rewards or cash back on purchases; it only offers special promotional financing and cardholder discounts.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Zero Fraud Liability You will not be liable for unauthorized use that occurs after you notify Comenity Capital Bank of the loss, theft, or possible unauthorized use of your Account.	Security	No liability for unauthorized charges after reporting
Rewards Program - Point Earning Earn 1 point for every $1 spent on qualifying purchases made at Big O Tires locations or bigotires.com using your Big O Tires Credit Card.	Shopping	1 point per $1 spent
Rewards Program - Point Expiration Points earned through the rewards program expire 12 months from the date they are earned.	Shopping	Points expire after 12 months
Rewards Program - Reward Certificate Expiration Reward Certificates issued through the rewards program expire 90 days from the date of issuance.	Shopping	Certificates expire after 90 days
Rewards Program - Reward Certificates Receive a $25 Big O Tires Reward Certificate for every 250 points earned. Reward Certificates are redeemable for purchases at Big O Tires.	Shopping	$25 certificate for 250 points Up to $25
Special Financing Offers Access to special financing promotions on qualifying purchases made at Big O Tires. Specific offers and terms vary and are subject to change.	Shopping	Varies by promotion

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months. Minimum monthly payments required.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (MS), high cumulative credit limit across all Amex accounts, abuse of welcome bonuses (e.g., applying for multiple cards in a short period beyond rules, closing and reopening accounts frequently), suspicious spending patterns inconsistent with income, frequent late or bounced payments, excessive returns or chargebacks, and gaming Amex Offers.

Cliff Effect Rules

American Express has 'family rules' where eligibility for a welcome bonus on one card may be affected by having or previously having a similar card within the same product family. While the Big O Tires Credit Card is a co-branded product, it's important to be aware of this general Amex policy, especially if other Big O Tires branded cards were to be introduced.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility for the Big O Tires Credit Card requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a good credit history. American Express enforces a 'one welcome bonus per card per lifetime' rule, meaning you are only eligible to receive the welcome bonus for the Big O Tires Credit Card once. Additionally, American Express has a '2/90 rule' limiting credit card approvals to a maximum of two new credit cards within any 90-day period. Amex also considers your existing relationship, number of open accounts, and overall credit profile when evaluating applications.

Big O Tires Credit Card