Synchrony

Big O Tires® Credit Card

Credit

$0 Annual Fee

See terms Purchase APR

580+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Purchases The Big O Tires Credit Card is a deferred-interest promotional financing product issued by Synchrony Bank for tire and auto service purchases at Big O Tires locations and does not earn rewards, points, miles, or cash back on purchases.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Online Account Management Cardholders can manage their Big O Tires credit card account online, including viewing statements, making payments, and checking balances.	Account Management	Online account management
No Annual Fee The Big O Tires credit card does not charge an annual fee for card membership.	Financial	No annual fee Up to $0
Convenient Monthly Payments Cardholders can make convenient monthly payments on their outstanding balance.	Financial Management	Convenient monthly payments
Special Financing Offers Access to special financing promotions on qualifying purchases made with the Big O Tires credit card. Specific terms and availability depend on current promotions.	Financing	Special financing available
Exclusive Cardholder Offers Cardholders receive access to exclusive promotions and discounts specifically for Big O Tires credit card users.	Shopping	Exclusive cardholder offers

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater

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

Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 8 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (though less common for store cards), high cumulative credit limit across Synchrony accounts, sudden large purchases on a new account followed by inactivity, payment defaults, extended periods of account inactivity, or suspected fraudulent activity. Synchrony is known to be sensitive to perceived risk.

Cliff Effect Rules

Not applicable. Store cards like the Big O Tires card do not typically have complex card family rules or 'cliff effects' related to other Synchrony products or premium card tiers.

International Friendly

May have limitations for international use.

Additional Issuer Rules

The Big O Tires Credit Card, issued by Synchrony Bank, primarily offers special financing on purchases made at Big O Tires locations. For 2026, eligibility requirements are projected to remain consistent: applicants must be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria (typically fair to good credit for approval). The card does not usually feature a traditional sign-up bonus with a spend requirement. Instead, its core benefit is deferred interest promotional financing (e.g., 6, 12, or 18 months 'no interest if paid in full' on qualifying purchases). Application is typically online, often with an instant decision, and involves a hard inquiry on the applicant's credit report.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Synchrony

Annual Fee

Apply Now

You will be redirected to the issuer's secure website.

More Synchrony Cards