The easiest tire credit card to get is the Walmart Credit Card because you can get approved with a score in the "fair" credit range. The Walmart Credit Card can be used for purchases in all of the store's departments, including automotive, which sells tires.
The benefit of getting the Walmart Credit Card instead of a tire brand's credit card is that you can use the Walmart Credit Card for things other than tires, because Walmart carries everything from groceries to cell phones. Also, many car care credit cards - Firestone, Goodyear, and Discount Tire, to name a few - come with deferred interest. Deferred interest may look like a 0% APR deal, but it means you'll be charged interest from the purchase date if you don't pay off the entire balance by the time the promotional period ends. It's better to get a credit card without deferred interest whenever you can.… read full answer
It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit. Please find a list of cards offered by Synchrony Bank here: https://wallethub.com/credit-cards/synchrony-13003490i/.
Tire store credit cards require at least fair credit for approval. So your best bet is a secured credit card with rewards. That means the best tire-purchase credit card for bad credit is the Discover it Secured card because it gives 1 - 2% Cash Back on purchases (doubled year one). The Discover it Secured card also has a $0 annual fee. … read full answer
Your other option is to rebuild your credit a bit. If you can get your credit score into the mid-600s, you might be able to qualify for something like the National Tire and Battery (NTB) Credit Card or the Tire Kingdom Credit Card.
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