The Discount Tire Credit Card is a good credit card for people with fair credit who need to buy tires, don’t want to pay interest, and are sure they can pay off their purchase within 6 - 12 months. The card has a $0 annual fee and 0% interest promotions, but it can be very expensive if you don’t pay on time. 

Like other store credit cards with 0% financing, the Discount Tire Credit Card uses something called “deferred interest.” This means interest can retroactively apply to your initial purchase amount if you fail to pay your bill in full during the 0% promo period. 

If you’re comfortable with the risk and you don’t have a good enough credit score to qualify for a 0% intro APR credit card without deferred interest, this offer could help you stay on the road without wasting money. 

7 Key Things to Know About the Discount Tire Credit Card

0% financing promotions

If you spend at least $199 at Discount Tire, you can get 6 - 12 months without interest. The amount of time you can get without interest charges depends on how much you spend, as you can see below. 

Not guaranteed to be interest-free

If you take advantage of a 0% financing promotion, you still need to pay at least the minimum amount due each month. You also have to pay off the full amount of the purchase you’re financing by the end of the promotional period. 

If you don’t pay on time, interest will retroactively apply to your original purchase amount – like you never had a 0% offer. That could make your tire/wheel purchase way more expensive than you budgeted for. 
 

High APR

You do not want to introduce this card’s extremely high interest rate to your balance because it would be a very expensive union. To avoid interest charges, make sure to pay off any big-ticket purchases by the end of the promotional financing period and pay your bill in full by the due date every month otherwise. 
 

No rewards

You won’t earn points, miles, cash back or store credit with the Discount Tire Credit Card. Its designed for financing. If you want to earn rewards, check out our editors’ picks for the best cards.  
 

Only works at Discount Tire and eligible gas stations

You can use the card to make Discount Tire purchases in store or online, but you can’t use it to shop at most other retailers. Affiliated gas stations are an exception, though.
 

$0 annual fee

Store credit cards almost always have $0 annual fees. 
 

Available to people with fair credit or better

You need a credit score of 640+ to have high approval odds, according to our research. But if your score is 700 or higher, you may be able to qualify for one of the best 0% APR credit cards instead. 

You can check your free credit score right here on WalletHub to see where you stand.