The Tire Pros credit card is a store credit card that can be used for purchases at Tire Pros stores. It offers benefits like deferred interest promotions, exclusive offers, and rewards points on Tire Pros purchases. This article provides a comprehensive review of the Tire Pros credit card, including how it works, its pros and cons, and whether it’s worth getting.
How the Tire Pros Credit Card Works
The Tire Pros credit card is issued by Synchrony Bank. It can only be used to make purchases at Tire Pros stores and gas stations that accept the card. The card has no annual fee.
When you open a Tire Pros credit card, you get 6 months of deferred interest on purchases over $199 if paid in full within the promotional period. After that, the purchase APR is 26.99%. There is also a penalty APR of 29.99% that applies if you miss a payment.
The Tire Pros credit card offers 3% rewards on all Tire Pros purchases. For every $1 spent, you earn 3 rewards points. These points can be redeemed for discounts on future Tire Pros purchases.
In addition, cardholders get exclusive offers and discounts on services like oil changes, tire installations, wheel alignment, and more. These offers are usually 10-30% off normal prices.
Applying for the Tire Pros Credit Card
Applying for the Tire Pros credit card is straightforward. You can apply at any Tire Pros location or online at the Tire Pros website.
The application asks for basic personal and financial information like:
- Name and address
- Date of birth
- Social Security Number
- Estimated annual income
- Housing payment details
Synchrony Bank will perform a credit check and evaluate your creditworthiness. Applicants typically need a credit score of 620 or higher to qualify.
If approved, you can start using your new Tire Pros credit card immediately in-store. A physical card will be mailed within 7-10 business days.
Pros of the Tire Pros Credit Card
Here are some of the main benefits of using the Tire Pros credit card:
- Deferred interest promotions: The 6 months deferred interest on purchases over $199 is very useful for large tire or service purchases. As long as you pay the full amount before the promo period ends, you pay no interest.
- 3% rewards on Tire Pros purchases: The 3% rewards rate is decent for a retail store card. It translates to $30 rewards for every $1,000 spent.
- Exclusive discounts: Cardholders get access to extra 10-30% discounts on Tire Pros services. This can add up to significant savings.
- No annual fee: There is no annual fee to worry about, so you can keep the card as long as you want.
- Special financing offers: Occasional 0% APR financing offers are available on certain purchases for 6-12 months.
Overall, the Tire Pros credit card is a simple card that can save you a lot of money on tire and auto service purchases from Tire Pros.
Cons of the Tire Pros Credit Card
Here are some potential downsides to consider with the Tire Pros credit card:
- High APR: The regular purchase APR of 26.99% is quite high. Make sure to pay your balance in full each month to avoid interest.
- Penalty APR: The 29.99% penalty APR makes late payments very expensive. Set up autopay to avoid issues.
- Foreign transaction fee: Using the card outside the U.S. triggers a 3% foreign transaction fee. Not ideal for international trips.
- Only for Tire Pros: The card can only be used at Tire Pros. It cannot be used at other stores or websites.
- Credit inquiries: Applying requires a hard credit check which can ding your credit score temporarily.
For the best results, the Tire Pros credit card is best used solely for Tire Pros purchases that you can pay off in full. Rely on other cards for your general spending.
How to log in and Manage Your Tire Pros Credit Card Account
Logging in to your Tire Pros credit card account allows you to manage your account online. On the login page at TirePros.com, simply enter your username and password.
If you’ve forgotten your username or password, you can click the links to recover them via email.
Once logged in, you can:
- Check your account balance
- View recent transactions
- Make a Payment
- Redeem rewards
- Update personal information
- Set up autopay
- Sign up for paperless statements
The online account manager is convenient for monitoring your spending and ensuring on-time payments. Be sure to update your contact information if it changes. Setting up autopay avoids late fees and interest charges.
You can also access your account on the go with the Tire Pros credit card app for iOS and Android. The app provides an easy way to manage your account from anywhere.
Where Can I Use My Tire Pros Credit Card?
The Tire Pros credit card can be used to make purchases at:
- Tire Pros retail locations: There are over 200 Tire Pros stores nationwide. The card is accepted at all locations for tires, services, wheels, and accessories.
- Tire Pros affiliate locations: Many independently owned tire and auto service shops are affiliated with Tire Pros. If they accept Tire Pros credit cards, you can use them there.
- Approved gas stations: Tire Pros has partnered with gas stations where you can use a credit card to pay for gas and convenience store purchases. Common brands include Shell, Sunoco, Chevron, and Texaco.
- Tire Pros website: The credit card can be used for online tire purchases at TirePros.com and is processed securely through Synchrony Bank.
You cannot use the Tire Pros credit card at non-affiliated auto service centers, parts stores, gas stations, or general retailers. It is solely for making purchases at Tire Pros and select partners.
Before using your card at a Tire Pros affiliate location or gas station, verify with the merchant that they accept Tire Pros credit cards. The card network is limited compared to general Visa and Mastercard.
How Does the Tire Pros Credit Card Rewards Program Work?
The Tire Pros credit card rewards program is straightforward – you earn 3% back in rewards points on all eligible purchases at Tire Pros. Here are the details on how it works:
- Earning rates: Get 3% rewards on total purchases made at Tire Pros stores, websites, and approved affiliates. No need to register or opt in.
- Rewards tracking: Reward points are tracked on your monthly billing statements. You can also check your point balance when logged into your account.
- Redeeming rewards: Rewards points can be redeemed for discounts on future Tire Pros purchases. 100 points = $1 in savings. Points don’t expire.
- Qualifying purchases: To earn rewards, purchases must be made with your Tire Pros credit card. Other forms of payment do not qualify.
- Excluded purchases: Finance charges, unauthorized/fraudulent purchases, and returned merchandise do not earn rewards.
- Limitations: Rewards cannot be earned on previous purchases or third-party gift cards purchased at Tire Pros.
- Bonus offers: Occasional promotions offer 5x or 10x reward points on certain products, services, or dollar amount thresholds.
The Tire Pros rewards program is simple and rewarding. With 3% back on all Tire Pros purchases, the points can add up quickly if you use the card routinely.
Making Payments on the Tire Pros Credit Card
There are several ways to make payments on your Tire Pros credit card account:
- Pay online: Log into your account and submit payments for free on the payments page. You can pay with a bank account, debit card, or another credit card.
- Pay by phone: Call 1-877-878-9891 to make automated payments or speak to a customer service rep.
- Pay by mail: Mail a check or money order payable to Tire Pros with the included payment coupon to the address on your statement. Allow 7-10 days to process.
- Pay in person: Take cash, check, or card to any Tire Pros location and make a payment with a store associate. Get a receipt as proof.
- Set up autopay: Login to your account and enroll in autopay to have payments made automatically each month from your bank account.
To avoid late fees, make sure to pay at least the minimum amount due by the payment due date each month. Pay in full if possible to avoid interest charges.
Can I Use the Tire Pros Credit Card for Gas?
Yes, the Tire Pros credit card can be used specifically at gas stations that are partnered with the Tire Pros fuel program. These participating gas stations display signage indicating Tire Pros credit card acceptance.
Approved gas station brands include Shell, Sunoco, Chevron, Texaco, and some regional chains. However, the card is not accepted at all locations of these brands – only participating fuel stations.
When using your Tire Pros credit card at the pump, use your zip code for the PIN. Your credit card statement will show the name of the gas station where you made each purchase.
The same credit terms, APR, rewards, etc. apply to gas station purchases with the Tire Pros credit card. No extra fees are charged. However, you don’t earn additional rewards on gas – still 3% back.
Check the list of participating gas stations on the Tire Pros website before filling up to ensure your location accepts the Tire Pros credit card. And verify with the station attendant if uncertain.
Is the Tire Pros Credit Card Right for Me?
The Tire Pros credit card is best suited for someone who:
- Regularly purchases tires, auto services, or gas at Tire Pros
- Spends enough annually to justify the 3% rewards earnings
- Has good to excellent credit (620 score or higher)
- Can pay the balance in full each month to avoid high interest
- Wants to take advantage of deferred interest promotions
- Prefers simplicity over complex rewards programs
If you only make infrequent purchases at Tire Pros, a general cash back or travel rewards credit card may be a better option. Taking advantage of this retail card requires routine Tire Pros spending.
Review spending habits across all stores to determine if Tire Pros is top-of-wallet for you. Look at your credit score and ability to pay balances each month as well. If you carry balances, a lower APR card may be better.
Tire Pros Credit Card Customer Service
If you have any questions or issues with your Tire Pros credit card, customer service reps are available by phone at 1-877-878-9891. The automated system can handle common tasks like checking your balance or making payments. Wait times to speak to a live agent are usually short.
Customer service can help with:
- Questions about account features, benefits, or policies
- Disputing fraudulent transactions or errors
- Reporting lost or stolen cards and requesting replacements
- Assisting with online account access and management
- Address changes and account maintenance
- General inquiries about your account and credit limit
Customer service hours are Mon-Fri 9 am to 9 pm EST and Sat 10 am to 3 pm EST. Email and postal mail contacts are also listed on the Tire Pros website for written inquiries.
Most reviews indicate Tire Pros credit card customer service is helpful and responsive overall. Communicating in English and Spanish is available.
Bottom Line: Is the Tire Pros Credit Card Worth It?
The Tire Pros credit card can provide significant savings if you frequently use Tire Pros services. The deferred interest promotions, exclusive discounts, and 3% rewards add up quickly compared to paying with cash or generic cards. It’s worthwhile for loyal Tire Pros customers with good credit.
However, the high regular APR makes it risky for those who might carry a balance month-to-month. Be sure to pay off purchases in full. Also, the card is not accepted widely outside of Tire Pros.
Overall, the Tire Pros credit card is a decent retail card for regular Tire Pros customers to lower tire and service costs. Just use it strategically within the card’s limits and pay off balances each billing cycle.
Frequently Asked Questions (FAQ) About the Tire Pros Credit Card
- Does the Tire Pros credit card have an annual fee?
No, there is no annual fee for the Tire Pros credit card.
- What is the spending limit or credit limit on the card?
Credit limits range from $500 to $5000 based on your creditworthiness. The standard starting limit is around $2000.
- Can the Tire Pros credit card be used at other tire and auto service stores?
No. The card can only be used at Tire Pros and approved affiliate locations and gas stations. It won’t work at other tire chains, auto parts stores, or repair shops.
- Is there a Tire Pros credit card app?
Yes. The My Tire Pros Credit Card app is available for iOS and Android devices. It allows you to manage your account on the go.
- What should I do if my Tire Pros credit card is lost or stolen?
Immediately call Tire Pros customer service at 1-877-878-9891 to report it lost/stolen. You won’t be liable for any unauthorized charges. A new card will be issued within 7-10 days.
- Does the Tire Pros card report to credit bureaus?
Yes, Tire Pros credit card activity is reported to TransUnion each month. On-time payments help build your credit score. Late payments may lower it.
- Can I transfer balances from other credit cards to my Tire Pros card?
Unfortunately, balance transfers are not offered on the Tire Pros credit card. You can only make purchases with it at approved Tire Pros-affiliated locations.
- Is there a Tire Pros credit card phone number to call?
Yes. You can call 1-877-878-9891 for automated account services or to speak with a Tire Pros credit card customer service representative.
- How do I check my Tire Pros credit card rewards point balance?
You can check your rewards point balance by logging into your online account or calling customer service. Points are also listed on each monthly billing statement.
- Is the Tire Pros credit card available in Canada?
No. Currently, the Tire Pros credit card is only available to residents of the United States. Tire Pros does not operate locations in Canada.
Conclusion
In summary, the Tire Pros credit card offers deferred interest, exclusive discounts, and decent rewards redemption on Tire Pros purchases. It can provide great value if you frequently shop at Tire Pros each year and pay off your bill on time and in full. However, the high APR makes it risky for those prone to carrying a balance. Make sure to consider your overall spending and repayment habits before applying. Use this review to make an informed decision on whether the Tire Pros credit card aligns with your needs and financial situation.
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