Firestone Credit Card Review: Benefits and Perks for Firestone Shoppers

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Quick Take: The Firestone credit card offers consumers deferred interest for six months when making a Firestone purchase. Cardholders also get access to exclusive offers and 5% off their first purchase made with a new account. Accounts can also be conveniently managed online.
  • Exclusive Offers
    4.1
  • Application Process
    4.7
  • Fees
    4.0
  • APR
    3.0
How did we calculate this?

Pros

  • No membership or annual fees
  • Access to select perks and discounts

Cons

  • High APR
  • Can only be used at Firestone
  • No cash back or rewards
  • $2 minimum monthly finance charge
  • Purchases must exceed $149 and be paid off in full within six months in order to defer interest

Firestone Credit Card Overview  

The Firestone credit card is targeted at customers who are in need of tire purchases and services through the chain, which has over 1,700 locations in the U.S. Cardholders can access exclusive limited-time offers like $20 off any $100 service purchase through March 31, 2023. This card has no membership fee and offers six months of promotional financing on purchases of $149 or more.

Key Features 

Here is a look at some of the features of the Firestone credit card.

Exclusive Offers

The Firestone credit card offers cardholders exclusive access to deals. These deals change throughout the year so it is best to check online or with your local store for current deals before setting your appointment. Current deals for cardholders are $20 off any $100 service purchase through March 31, 2023, and $10 off any DieHard Battery through March 31, 2023. These offers are great perks that can come in handy when faced with costly car services.

Application Process

Applying for a new credit card can sometimes be a stressful process. With Firestone, they have made the application process very simple. You can apply online by inputting basic information like your name, address, phone number and income. If you prefer, you can also apply at any Firestone location. You will find out if you are approved in only a few minutes. From there, you can expect the physical card to arrive 5-7 business days later.

APR

The APR indicates how much it’ll cost you to carry a balance on a credit card, and it’s a make or break factor for many consumers. The Firestone credit card offers six months of promotional financing on purchases of $149 or more. After the six months of deferred interest, the APR will be 28.8%. While this APR is on the higher side, the deferred interest period gives cardholders a good amount of time to completely pay off their purchases.

Fees 

Cardholders will be happy to know that Firestone does not charge any membership or annual fees. It does, however, impose a $2.00 minimum finance charge. This charge will only be applied if your monthly accrued interest is below $2.00. While this fee is certainly less than the annual fee you would face with other cards on the market, it is still something to be mindful of.

How the Firestone Credit Card Stands Out  

With its offers of financing and exclusive deals and discounts, the Firestone credit card can come in handy for anyone who shops often at Firestone or someone who is faced with costly car maintenance services.

Comparable Options  

You can only use the Firestone credit card at Firestone to access its perks and offerings, but there are other tire company credit cards out there. 

Goodyear Credit Card 

The Goodyear credit card touts an even higher APR than Firestone and it also sports a minimum interest charge of up to $2.00. With the Goodyear credit card, cardholders pay no interest if their balance is paid in full within six months on purchases of $250 or more. One big benefit is that cardholders can use it to buy gas at over 11,500 Exxon and Mobil stations nationwide. But like Firestone, this card has no cash-back perks.   

Big O Tires Credit Card 

The Big O Tires credit card sports a hefty APR of 29.99% and a minimum interest charge of $2.00. Cardholders pay zero interest if they pay their balance on purchases of $749 or more made at Big O Tires in full within 12 months. There are no rewards or cash perks with this card, either.   

Discount Tire Direct Credit Card

The Discount Tire Direct credit card also tacks on an APR of 29.99%, making it yet another tire card with a high rate. While it offers no cash back or rewards, it sports no annual fee, has $0 liability on fraud transactions and is accepted at over 200,000 gas stations nationwide.

How To Apply for the Firestone Credit Card

If you are interested in adding the Firestone credit card to your wallet, you can easily apply for it by visiting any Firestone location or by applying online on their website. The application process is quick and you will know if you are approved in minutes. From there, you can expect the physical card to arrive 5-7 business days later in the mail.

Who the Firestone Credit Card Is Best For 

The Firestone credit card is best for someone who is a loyal Firestone shopper and knows that they will be using their card in the very near future to take advantage of the current promotions.

Final Take 

If you’re a big fan of Firestone and know that you will use the card to cash in on the brand’s promotional offers and have a solid history of paying off your consumer debt on time, this could be the right card for you. While it does offer the lowest APR of all the competitive tire credit cards out there, cardholders should consider paying off their balance in full before the deferred interest period ends.

FAQ

Here are the answers to some commonly asked questions about the Firestone credit card.
  • What credit score do you need for the Firestone credit card?
    • You qualify for the Firestone credit card with an average credit score of 630 to 689.
  • Is a fair credit score enough for the Firestone credit card?
    • To qualify for the Firestone credit card you will need an average credit score of at least 630.
  • How do I pay my Firestone bill?
  • What bank does the Firestone credit card use?
    • The Firestone credit card uses Credit First National Association.

Elizabeth Constantineau contributed to the reporting for this article.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 10, 2023. 

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About the Author

Nicole Spector is a writer, editor, and author based in Los Angeles by way of Brooklyn. Her work has appeared in Vogue, the Atlantic, Vice, and The New Yorker. She's a frequent contributor to NBC News and Publishers Weekly. Her 2013 debut novel, "Fifty Shades of Dorian Gray" received laudatory blurbs from the likes of Fred Armisen and Ken Kalfus, and was published in the US, UK, France, and Russia — though nobody knows whatever happened with the Russian edition! She has an affinity for Twitter.
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