The Firestone Full Auto Care bank card is available in two variations: a personal label or store-branded card that can be utilized solely at Firestone and accomplice areas and a co-branded Mastercard that can be utilized wherever Credit cards are accepted. Each playing cards supply quite a lot of rewards and different advantages, particularly on Firestone services and products.
Key Takeaways
- The Firestone Full Auto Care bank card is available in two variations.
- One is a store-branded bank card that can be utilized solely at Firestone and accomplice areas.
- The opposite is a co-branded Mastercard that can be utilized wherever Credit cards are accepted.
- The Firestone bank card is issued by means of a third-party finance firm, Credit score First Nationwide Affiliation (CFNA).
- The cardboard has no annual payment and features a zero-interest supply for six months on purchases of $149 or extra.
- It additionally provides rewards of as much as 4% on Firestone purchases.
How the Firestone Card Works
The Firestone Full Auto Care card is issued by means of a third-party finance firm, Credit score First Nationwide Affiliation (CFNA). CFNA is a personal label bank card financial institution and the buyer credit score division of Bridgestone Americas primarily based in a suburb exterior of Cleveland.
With both the shop card or Mastercard model, new cardholders save 5% on their first buy plus as much as 4% in rewards for his or her spending at Firestone Full Auto Care areas.
The playing cards have a six-month promotional supply throughout which no curiosity might be charged on purchases over $149 at collaborating areas so long as the cardholder makes the minimal required fee every month and pays off your entire stability by the top of the promotional interval.
After that, the shop card expenses an annual share charge (APR) of 29.99% on unpaid balances, and the Mastercard expenses an APR of 26.99%, as of September 2023.
Neither card has an annual payment.
Rewards and Advantages
As talked about, this bank card has a zero-interest supply for six months on purchases of $149 or extra. That might be helpful for somebody who wants a brand new set of tires or pricey automotive repairs.
The cardboard additionally provides limited-time reductions on sure automotive companies.
The Mastercard model has some further advantages, together with 2% rewards on gas and automotive companies, 1% on different purchases, and zero-liability safety if the cardboard is utilized in fraudulent transactions.
Tips on how to Get the Firestone Credit score Card
You may apply for the Firestone card by means of the Firestone Full Automotive Care web site. The Apply Now button will redirect you to the CFNA web site, the place you may study extra concerning the card’s phrases and full the applying course of. You too can apply in particular person at a Firestone location.
Amongst different particulars, the applying will ask in your annual gross revenue from all sources. You have to be no less than 18 years outdated to use.
Once you submit your software, CFNA will contemplate you for both the shop or Mastercard model of the cardboard, primarily based on its estimation of your creditworthiness. Sometimes, retailer playing cards are simpler to qualify for.
Alternate options to the Firestone Card
A number of opponents supply playing cards akin to the Firestone Full Auto Care bank card. Low cost Tire’s zero-interest promotion is just like Firestone’s however provides much more favorable phrases to massive spenders. Cardholders who spend between $1,000 and $1,499.99 at Low cost Tire have 9 months to repay with no curiosity, and people who spend $1,500 or extra have a full 12 months. A minimal buy of $199 is required to obtain six months of no curiosity.
The Goodyear Credit score Card provides six months of no curiosity on purchases of $250 and extra. It may also be used at Exxon and Mobil stations.
Phrases and Circumstances of the Firestone Card
Whereas the Firestone bank card has some engaging rewards and advantages, it is also price taking a detailed have a look at the opposite phrases, particularly should you ever anticipate to run a stability and incur curiosity expenses. Listed below are the phrases and circumstances as of September 2023.
| Firestone Credit score Card Phrases | |
|---|---|
| Annual Proportion Fee (APR) | Personal label (retailer) card: 29.99% Mastercard: 26.99% |
| Annual Charge | None |
| Late Cost Charge | As much as $41 |
| Returned Cost Charge | As much as $41 |
| Grace Interval | 23 days |
| Minimal Curiosity Cost | The cost might be a minimum of $2 in case you are charged curiosity. |
Who Ought to Take into account the Firestone Card?
For the reason that card’s largest advantages come from making frequent giant purchases at Firestone, clients with a number of automobiles who purchase tires and get their autos serviced solely at Firestone stand to profit probably the most.
Individuals who do enterprise at Firestone solely sometimes and do not want financing to pay for tires and auto repairs will profit much less from the cardboard. For them, the occasional financial savings won’t be sufficient to justify having one other bank card fee to juggle or a comparatively excessive rate of interest to fret about ought to they ever run a stability.
What Credit score Rating Do You Want for a Firestone Credit score Card?
To be accepted for the non-public label or retailer model of the Firestone bank card, you may doubtless want a good to good credit score rating, which is a standard customary for many retailer bank cards. With FICO scores—probably the most broadly used type—a good rating is between 580 and 669, whereas a very good one is between 670 and 739. The upper your rating, the extra doubtless you might be to qualify for the Mastercard model, which can have extra stringent necessities.
Can a Personal Label or Retailer Credit score Card Assist Your Credit score?
Sure, identical to an everyday bank card, a retailer card can assist you construct a stable credit score rating so long as you pay your invoice on time. Conversely, it might additionally harm your credit score should you miss funds.
How Do I Pay My Firestone Invoice On-line?
To pay your Firestone bank card invoice on-line, you may first have to create an account with Firestone’s third-party finance firm, Credit score First Nationwide Affiliation (CFNA). You will then have the ability to pay your invoice by logging into your account and clicking the View Funds hyperlink. You too can prepare for automated funds by means of your checking account.
The Backside Line
A Firestone bank card is usually a handy strategy to pay for automotive repairs, upkeep, tires, and different purchases on the firm’s many areas within the U.S., whereas incomes some rewards on the identical time. And its six-month, no-interest promotional interval is engaging. Nevertheless, the comparatively steep rate of interest after that would make it an costly proposition except you are in a position to pay your stability in full every month.