Erinn Dimond, WalletHub Writer
@Erinn.dimond
The easiest auto repair credit cards to get include the Firestone Credit Card and the Tires Plus Credit Card, which are available to people with fair credit or better. Most auto repair store cards are also easy to get, but these two cards will net you more value than other options for fair credit or lower.
If you have no credit or bad credit, you may want to consider a card like the Capital One Quicksilver Secured Cash Rewards Credit Card, which gives 1.5% cash back on purchases. That can really add up when paying for expensive car repairs.
Minimum Credit Scores for Popular Auto Repair Cards
- Firestone Credit Card: 640
- Tires Plus Credit Card: 640
- Midas Credit Card: 640
- Meineke Credit Card: 640
- Big O Tires Credit Card: 640
- Discount Tire Credit Card: 640
- Goodyear Credit Card: 640
- Pep Boys Credit Card: 640
- Jeep Credit Card: 700
Rewards aren’t always a feature on auto repair credit cards, but one other common benefit is access to special financing, usually a deferred interest period, for large auto repair bills. Without special financing, the card balance you carry from month to month is subject to the regular APR, which is high on these cards. So, if you aren’t using a financing promotion, make sure you’re paying your bill in full and on time to avoid expensive interest costs.
General Credit Cards You Can Use for Auto Repairs
If you’d like to earn better rewards or get a 0% APR promotion, it’s worth noting that any major credit card can be used to pay for auto repairs, and you aren’t limited to any repair shop’s store credit card. The best cards require good credit or better. For example, the Citi Double Cash® Card offers 0% APR intro periods on balance transfers, gives 2% cash back on purchases, and is available for borrowers with good credit or better.
You can compare WalletHub’s editors’ picks for the best rewards credit cards to help you make the best choice.
Popular Credit Cards from Our Partners
-
Low Intro APR & Bonus Rewards:
-
Everyday Cash Back:
-
Good Credit:
-
0% Intro APR:
David Patel, Member
@dpatel_tech
Easiest would be a secured credit card not affiliated with a repair company, like Discover it Secured. There’s no fee, and you’ll earn good rewards. If you really want a store card, just go with wherever you shop the most/get the best deal on repairs. The cards are pretty much equally hard/easy to get - you need fair credit.
Nathan WW, Member
@nward_nlt
They’re all about equal, if you want a repair shop’s credit card. But you should think about getting a general card, like Discover Secured or Cap 1 Quicksilver, instead. You can use it for anything and you’ll get better rewards.
People also ask
Can I use my Synchrony credit card for auto repair?
Yes, you can use your Synchrony credit card to pay for auto repair if your card is part of the Synchrony Car Care network. These types of cards are accepted at auto repair shops nationwide, and you can use Synchrony's online tool to check which one is closest to you.
Synchrony Credit Cards That Can Be Used for Auto Repairs
- No Annual Fee:
- No Annual Fee:
- No Annual Fee:
- Special Financing:
- Special Financing:
- Special Financing:
- Accepted at Gas Stations Nationwide:
- Accepted at Gas Stations Nationwide:
- Accepted at Gas Stations Nationwide:
- Exclusive Cardholder Discounts:
- Exclusive Cardholder Discounts:
- Exclusive Cardholder Discounts:
- No Annual Fee:
- Special Financing:
- Accepted at Gas Stations Nationwide:
- Exclusive Cardholder Discounts:
You can also use your Synchrony card at auto shops if it displays the...
read full answer by John Miller, Credit Cards ModeratorShould I get a credit card to fix my car?
Yes, you should get a credit card to fix your car if you’re confident that you can pay the bill in full before the due date. Otherwise, you’ll be charged interest on any unpaid balance, which can significantly increase the cost of the repair overtime, or offset any potential rewards.
If you don’t anticipate paying the balance anytime soon, then you should get a credit card that offers a 0% introductory APR. This way, you...
read full answer by John Miller, Credit Cards ModeratorWhat is the Synchrony Car Care Credit Card credit score requirement?
The Synchrony Car Care™ Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Synchrony Car Care™ Credit Card.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Synchrony Car Care™ Credit Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
If you...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.