The $0-annual-fee Discount Tire credit card, issued by Synchrony Bank, can help you finance or save on tire purchases at more than 1,200 locations across nearly 40 states, including Discount Tire, America’s Tire, Dunn Tire, Suburban Tire Auto Repair Centers, Ellisville Tire and Service, and TireRack.com. You can also use the card to pay for eligible tire purchases or automotive services through Synchrony’s Car Care network, which has more than 1 million locations. (The Car Care network offers its own credit card, which is separate from the card reviewed here.)
But the Discount Tire card doesn’t earn rewards, and it isn’t an ideal option unless you can afford to pay off the balance quickly and avoid steep interest charges. Otherwise, if you lack an emergency fund or don’t want to deplete an existing one, a low-interest credit card will be a better option.
Here’s what to know about the Discount Tire credit card.
1. You can use it instantly after approval …
When you’ve got an emergency flat tire or another repair, the Discount Tire credit card might be a convenient option if you lack the cash upfront or don’t want to tie up your funds. You can get a quick decision and use the card instantly after approval.
That’s a nice-to-have feature, but it’s not unique: Many other credit cards offer that option, including several that have introductory APR offers (to help you finance a repair) and also boast welcome bonuses and rewards (to help offset repair costs).
2. … But it doesn’t earn rewards
The Discount Tire card may offer occasional discounts, but it doesn’t earn rewards. Through Nov. 27, 2025, you can use the card to get 5% off tires and wheels with a purchase of $599 or more. Such discounts, while helpful, may not always be available when you actually need them. Other rewards credit cards can offer more savings, if you can qualify, in the form of rewards.
The Upgrade Triple Cash Rewards Visa®, for example, earns 3% back on home, auto and health purchases, and 1% back on all other purchases. It also comes with a welcome offer: Earn a $200 bonus when you also open a Rewards Checking Preferred account and make 3 debit card transactions. Car-related purchases that are eligible for the 3% rewards rate include auto parts, purchases at car dealerships, car washes, auto repairs and towing services.
3. It offers promotional financing, but beware of the risk
The Discount Tire card offers promotional financing offers (sometimes known as “special financing”) that could potentially save you on interest charges. But it’s important to understand the strings attached to such offers, and to charge only what you know you’ll be able to pay back on time. Here’s why:
Certain balances qualify for “no interest if paid in full within 6, 9 or 12 months,” depending on the terms. Watch out for that “if” part, though, because if you don’t finish paying off the entire financed amount by the time the promotional window expires, interest will be charged on the full amount of the purchase, retroactive to the original transaction date. It’s what’s known as a deferred interest offer. It differs from a true 0% introductory APR offer, in which interest is waived, not merely “deferred.” If you still have a balance left when a true 0% intro APR offer expires, you’ll owe interest only on that remaining amount.
If the car repair can wait, you might consider a less risky offer. A card like the Wells Fargo Active Cash® Card, for instance, features a true 0% introductory APR offer: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 18.99%, 23.99%, or 28.99% Variable APR. It also earns 2% cash back on all eligible purchases. Moreover, the cost of a repair could be defrayed with help from the card’s welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
🤓Nerdy Tip
With the Discount Tire credit card, you might qualify for a longer financing offer, such as an equal-payment no-interest promotional period of 18 months or more. But in that case, you’ll be charged a promotional fee of 2% of the amount financed.
4. The ongoing APR is expensive
The average APR for credit card accounts assessed interest was 22.25% as of May 2025 , according to Federal Reserve data. The Discount Tire card has an ongoing purchase APR that’s much, much higher than that — nearly 35% (as of this writing) — so carrying a balance will be expensive indeed.
If you know you’ll end up doing that, you might want to consider a credit union credit card, which generally will feature lower interest rates. Credit unions require membership, though, and eligibility is based on different factors, depending on the institution. PenFed Credit Union, as an example, allows anyone to join, but there are a few extra steps to clear before applying for one of their credit cards. For instance, you’ll have to fill out the application and make a $5 deposit into a PenFed savings account.
5. You can find out your odds of approval before applying
The Discount Tire credit card features a pre-qualification process that allows you to understand your odds of approval before officially submitting an application. The process won’t initially impact your credit scores.
If you’re extended an offer and formally apply, though, there will be a hard inquiry on your credit at that time, and your credit scores may temporarily drop, as is common with the credit card application process.
