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5 Star Rating
Verified CustomerI like this card, it pays for my car being repaired, thank u.
Product: Credit First National Association Credit Cards
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Please find below credit cards offered by Credit First National Association.
Compare Credit First National Association Credit Cards
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Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR34.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
34.99%
annual fee
$0
rewards rate
None
minimum credit
Fair
WalletHub's Take
Pros
- No membership fees
- Qualify with fair credit
Cons
- No rewards
- High regular APR
Read our editor's full Florida Automobile Dealers Association Credit Card review.
Additional Info
- Special financing available at participating retailers.
- Online account management.
- Accepted Nationwide at thousands of retailers.
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR34.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
34.99%
annual fee
$0
rewards rate
None
minimum credit
Fair
WalletHub's Take
Pros
- No membership fees
- Qualify with fair credit
Cons
- No rewards
- High regular APR
Read our editor's full Bosch Car Service Credit Card review.
Additional Info
- Special financing available at participating retailers.
- Dedicated line of credit.
- Accepted Nationwide at thousands of retailers.
- Online account management.
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR34.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
34.99%
annual fee
$0
rewards rate
None
minimum credit
Fair
WalletHub's Take
Pros
- No membership fees
- Qualify with fair credit
Cons
- No rewards
- High regular APR
Read our editor's full Jack Furrier Tire and Auto Care Credit Card review.
Additional Info
- Special financing available at participating retailers.
- Online account management.
- Nationwide acceptance.
- Dedicated line of credit.
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR34.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
34.99%
annual fee
$0
rewards rate
N/A
Bonus Offer
10% discount
Bonus Offer
10% discount
minimum credit
Fair
WalletHub's Take
Pros
- No membership fees
- 10% discount initial rewards bonus
- Qualify with fair credit
Cons
- High regular APR
Read our editor's full Morgan Auto Group Credit Card review.
Rewards Details
- Get 10% off your first purchase when you use your card.
- Get 5% off every time you come in for service & 10.00 off oil changes.
Additional Info
- Special financing available at participating retailers.
- Exclusive Cardholder Benefits: Complimentary car wash, shuttle service & alignment check.
- Online account management.
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR34.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
34.99%
annual fee
$0
rewards rate
N/A
Bonus Offer
5 %
Bonus Offer
5 %
minimum credit
Fair
WalletHub's Take: The Firestone Credit Card is a decent credit card for people with fair credit (640+ credit score) who need a way to save on tires, vehicle repairs or maintenance. It’s worth considering this card because there’s no annual fee, you can save 5% on your first purchase, and you can choose from a variety of money-saving offers.
Pros
- No membership fees
- 5% off your first purchase
- Qualify with fair credit
Cons
- High regular APR
Rewards Details
- Receive 5% off your first purchase made with your new card.
- Limited-time offer: Get $20 off any $100 service purchase and $15 off any fluid exchange. Offer valid through September 30, 2026.
- Limited-time offer: Get up to $120 off when you purchase both a front and rear standard brake service, or get $60 off a front or rear brake service with your card. Offer valid through September 30, 2026.
- Limited-time offer: Get up to $180 in savings when you buy four eligible Bridgestone Tires. $80 on a Bridgestone Prepaid Mastercard® + $100 on the Prepaid Card when you use your Firestone Credit Card. Offer valid through August 31, 2026.
- Limited-time offer: Get up to $170 in savings when you buy four eligible Firestone Tires. $70 on a Firestone Prepaid Mastercard® + $100 on the Prepaid Card when you use your Firestone Credit Card. Offer valid through August 31, 2026.
- Limited-time offer: Get up to $160 in savings when you buy four Firestone All Season Tires. $60 on a Prepaid Mastercard® + $100 on the Prepaid Card when you use your Firestone Credit Card. Offer valid through August 31, 2026.
- Limited-time offer: Buy 3, get 1 free on SureDrive Touring A/S tires. Offer valid through August 31, 2026.
Additional Info
- Special financing available for in-store purchases.
- Online account management.
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR34.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
34.99%
annual fee
$0
rewards rate
N/A
Bonus Offer
5 %
Bonus Offer
5 %
minimum credit
Fair
WalletHub's Take
Pros
- No membership fees
- 5 % initial rewards bonus
- Qualify with fair credit
Cons
- High regular APR
Read our editor's full Tires Plus Credit Card review.
Rewards Details
- Receive 5% off your first purchase made with your new card.
- Limited-time offer: Get $20 off any $100 service purchase and $15 off any fluid exchange. Offer valid through September 30, 2026.
- Limited-time offer: Get up to $120 off when you purchase both a front and rear standard brake service, or get $60 off a front or rear brake service with your card. Offer valid through September 30, 2026.
- Limited-time offer: Get up to $180 in savings when you buy four eligible Bridgestone Tires. $80 on a Bridgestone Prepaid Mastercard® + $100 on the Prepaid Card when you use your Tires Plus Credit Card. Offer valid through August 31, 2026.
- Limited-time offer: Get up to $170 in savings when you buy four eligible Firestone Tires. $70 on a Firestone Prepaid Mastercard® + $100 on the Prepaid Card when you use your Tires Plus Credit Card. Offer valid through August 31, 2026.
- Limited-time offer: Get up to $160 in savings when you buy four Firestone All Season Tires. $60 on a Prepaid Mastercard® + $100 on the Prepaid Card when you use your Tires Plus Credit Card. Offer valid through August 31, 2026.
- Limited-time offer: Buy 3, get 1 free on SureDrive Touring A/S tires. Offer valid through August 31, 2026.
Additional Info
- Special financing available for in-store purchases.
- Online account management.
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
Credit First National Association Credit Card Reviews
3.3
364 reviews
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1 Star Rating
The company is awful. All of the representatives are overseas. Their fees are ridiculously high. The customer service is poor. Avoid this company at all costs. You will regret doing business with them. They create opportunities to charge fees like not sending bills timely.
Product: Credit First National Association Credit Cards
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1 Star Rating
I agree with ALL of the bad reviews given for Credit First aka CFNA. Avoid them at all costs. My belief is that they intentionally choose not to apply payments to get interest and/or charge late fees.
But if you MUST have a car repair done and do not have the money. Try to borrow from a loan shark first. You may have better luck! Just kidding. But try any other means first or pay in full ASAP
But if you MUST have a car repair done and do not have the money. Try to borrow from a loan shark first. You may have better luck! Just kidding. But try any other means first or pay in full ASAP
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1 Star Rating
This credit card is no good and it eats you up in fees when you miss a payment. Once I get this credit card paid off I will not be dealing with these scam artist anymore!!!!! Everyone is charging you an arm and leg for anything
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1 Star Rating
Worst credit card ever. DO NOT GET! 33% interest rate makes paying the card off harder and longer. I try to pay early and above the minimum payments but they have been $250 to almost $300 each time! 😖
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1 Star Rating
I got their firestone card on a promotinal deal. Buy three tires and get the 4th tire free when accepted to the C.F.N.A. Credit card. Turns out...this was the worst credit decision I ever made. First off......their customer service is absolutly the worst. They can barly speak enmglish let along undestand it. They charge $3.99 a month to have a state,ment mailed yo you. Their interest rate is just over 33% yes thats right 33%. Their rewards program is a joke. The rewards are automaticly applied to your C.F.N.A. account as a credit only if you have accepted repairs done within a 45 day period at a local Firestone/ Brigstone location. THEY DO NOT GIVE ANY!!!!!!!!! expections for late payments.....even medical. When paying your bill/statement by mail....there is NO remittance letter to print from their web site.
If I could...CFNA would get a NEGATIVE 5 satrs.
If I could...CFNA would get a NEGATIVE 5 satrs.
Product: Credit First National Association Credit Cards
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1 Star Rating
I never missed a payment. Always on time or before the due date. And they closed my account. What the ??
Product: Credit First National Association Credit Cards
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1 Star Rating
Be careful using the CFNA card at Tires Plus. I used the Promotional Deferred Interest Credit Plan, and they changed the terms without notifying me. Before this purchase on September 28, 2025, the payments I made for the first six months went toward the Promotional Balance. Now, only the last two payments go toward the Promotional Balance. This is an obvious attempt to pressure a cardholder to come up with the full balance in the last two months to charge a higher interest rate.
Product: Credit First National Association Credit Cards
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1 Star Rating
"I had problems with my bank account for a short period, and a few payments were returned on my CFNA Gills Point S account. When I found out the payments were returned, I went online and paid the amounts immediately. The bank problems have been solved, and yesterday I went online to pay my current bill. CFNA had placed a restriction on my account that prevents me from paying my bill with my checking account. I called and explained the situation and asked that the restriction be removed so that I could pay my account. The customer service person I spoke with refused to do so and said I could use another account. I told her that was the only account I had. I also pointed out that the system would not allow me to update the account. She said that was my only option. I told her I wanted to speak to a supervisor. When I got him on the phone, he repeated the same line as the CSR I had spoken with. I told him that I knew he could have the restriction lifted. He claimed he could not, which I doubted. He also said I could use an alternative bank account, completely ignoring that I had just told him there was no other bank account. I find it very strange that a company refuses to take payment from the account holder on an account that is owed. CFNA needs to have better customer service and needs to work with their customers instead of against them. Whenever I find some way to make payments to CFNA, I will pay this account off and be done with them. I will also never use Gills Point S credit for any service again. If a low-quality company like CFNA is the type of company they use for their credit service, it makes me wary of what type of quality I would receive from Gills Point S.
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1 Star Rating
I had this credit card since 2014 and would pay the balance immediately on the CFNA app. My most recent purchase posted but would not let me pay. I went back 30 days later. Same thing. About a month and a half after the purchase, I was able to pay, but now I was a day late. I called and they told me I should have called to make the payment. After I threatened to cancel the card, they said they would waive the fee, but I would have to wait until the next cycle. They charged interest on the late fee they waived. I paid it and canceled immediately. -Dominic Marano, DE
Product: Credit First National Association Credit Cards
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Credit First National Association Credit Card Q&A
Get answers to your questions about Credit First National Association Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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11
UpvotesHow can I pay my Firestone Credit Card?
Reply
Sarah Bilkins
You can make a Firestone Credit Card payment online, by phone, or by mail. To pay a Firestone Credit Card bill online, log in to your online account and click on "Payments." Then, choose how much to pay, when to pay it, and where the payment is coming from. Credit First National Association does allow cardholders to set up automatic payments, too.
Ways to Make a Firestone Credit Card Payment
- Online. Log in to your online account and click on "Payments."
- By phone: Call (800) 321-3950 and enter your card information prompted.
- By mail. Send a check or money order (but not cash) to
Credit First NA
P.O. Box 81344
Cleveland, OH 44188-0344Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Firestone Credit Card payment, so just choose whichever method suits you best. The important part is to not miss payments, as that can seriously damage your credit score.
12
UpvotesCan I use my Firestone Credit Card anywhere?
Reply
Maria Adams
No, you cannot use your Firestone Credit Card anywhere you want, as you can only use it for purchases at Firestone. The Firestone Credit Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Firestone Credit Card offers accountholders 5% off your first purchase and has an annual fee of $0,...
5
UpvotesHow can I pay my Tires Plus Credit Card?
Reply
Evelyn Boros
You can make a Tires Plus Credit Card payment online, by phone, by mail or at a branch. To pay a Tires Plus Credit Card bill online, log in to your online account and click on "Payments." Then, choose how much to pay, when to pay it, and where the payment is coming from. CFNA does allow cardholders to set up automatic payments, too.
Ways to Make a Tires Plus Credit Card Payment
- Online. Log in to your online account and click on "Payments." ...
0
UpvotesCan I use my Tires Plus Credit Card anywhere?
Reply
Troy A Niehus
Actually now you can use your tires plus card at any company that cnfa uses like Firestone, wheel works, any of them that issue cnfa cards go online and look.
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13
UpvotesWhat is the Firestone Credit Card credit score requirement?
Reply
Maria Adams
The Firestone Credit Card credit score requirement is 640 or higher. That means people with fair credit may have a decent shot at getting approved for the Firestone Credit Card. You can check your credit score for free here on WalletHub to see if you qualify.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Firestone Credit Card. Some other key criteria include your income, existing debt load,...
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