The Firestone Complete Auto Care credit card offers customers a method to finance car repairs, scheduled maintenance, and new tires at Firestone locations across the United States. The card offers several benefits above and beyond a traditional credit card. However, the fine print spells out a few stipulations that potential cardholders should be aware of before applying.

Key Takeaways

  • The Firestone Complete Auto Care card is a store-branded credit card that can be used only at Firestone locations and is not accepted at other retailers or ATMs.
  • The Firestone credit card is issued through a third-party finance company, Credit First National Association (CFNA).
  • You can use the Firestone card to charge the cost of automotive repairs, maintenance, tires, and other purchases made at Firestone.
  • The card includes a zero-interest offer for six months on major purchases of $149 or higher. 
  • To take advantage of this offer, the cardholder must make the minimum payment on time each month and pay the full purchase off within six months.

How the Firestone Card Works

The Firestone Complete Auto Care card is a credit card designed for use specifically at Firestone locations. Firestone offers the card through a third-party finance company, Credit First National Association (CFNA). CFNA is a private label credit card bank and the consumer credit division of Bridgestone Americas based in a suburb outside of downtown Cleveland.

Because this is a retail card, it is not accepted at ATMs or retailers other than Firestone. Interested customers can apply for the card online or in person. A credit decision usually takes only minutes.

Once the card is active, the cardholder may use it at Firestone the same way as any other credit card. New cardholders save 5% on their first purchase with their new Firestone card. The customer can charge the cost of tires, car repairs, and other purchases on the card and avoid interest charges by paying off the balance each month. Any balance that carries over to the following month accrues interest at an annual percentage rate (APR) of 28.8%, as of Feb. 2021.

The Firestone Complete Auto Care credit card is accepted at over 1,700 Firestone locations nationwide and carries no annual fee.

Store-branded credit cards are also known as "private label" and "closed loop cards," which means they are different from general use credit cards that carry the Visa or Mastercard logo. Store-branded cards can only be used at the specific store that issued the card.

Rewards and Benefits

The signature reward of this credit card is a zero-interest offer for six months on major purchases of $149 or higher. The only stipulations are that the cardholder must make the minimum payment on time each month and pay the full purchase off within six months. Failure to do so results in fees and the cancellation of the zero-interest provision.

Cardholders are rewarded with a savings of 5% on their first purchase with their new Firestone card. Additional benefits include periodic special pricing on tires and auto care. Firestone offers these deals exclusively to cardholders.

Where Can Someone Get the Firestone Card?

You can apply for the Firestone Card online through their website. The site will redirect you to the CFNA site where you can learn more about the card and complete the application process. You can also apply in person at your preferred Firestone location.

What Kind of Credit Is Required for the Firestone Card?

As with most store credit cards, you will generally need a fair to good credit rating to be approved for a Firestone card. According to FICO credit scores, a fair credit score is 580 to 669, while a good credit score is 670 to 739.

Where Can the Firestone Card Be Used?

The Firestone Complete Auto Care card is a private label credit card, which means it is for use only at Firestone locations. You will not be able to use it at other auto repair shops or automotive supply stores. You can use the card at over 1,700 Firestone automotive service facilities located throughout the United States to pay for automotive repairs, maintenance, and tires. While you can make a purchase in-store without your credit card present, you will need to show a valid government-issued photo ID to the Firestone store associate, who will then need to contact CFNA for sale approval.

Alternatives to the Firestone Card

Several competitors offer cards comparable to the Firestone Complete Auto Care credit card. Discount Tire's zero-interest promotion is similar to Firestone's but offers even more favorable terms to big spenders. Cardholders who spend between $1,000 and $1,499.99 at Discount Tire have nine months to repay with no interest, and those who spend $1,500 or more have a full year. A minimum purchase of $199 is required to receive six months of no interest.

The Goodyear Credit Card, offered by the Goodyear Tire & Rubber Company (NASDAQ: GT), offers six months of no interest on purchases of $250 and more.

Terms and Conditions of the Firestone Card

To apply for the Firestone Complete Auto Care credit card, you must be at least 18 years of age. You'll need to complete an application providing your full legal name, date of birth, address, phone number, Social Security number, driver's license number, and annual gross income from all sources. If approved, CFNA will issue you a credit card with a credit limit up to the amount for which you qualify.

Below are the terms and conditions for the Firestone Complete Auto Care credit card as of Feb. 2021.

Firestone Credit Card Terms
Annual Percentage Rate (APR) 28.8%
Annual Fee  None
Late Payment Fee  Up to $40
Returned Payment Fee  Up to $40 
 Grace Period  23 days
 Minimum Interest Charge The charge will be no less than $2 if you are charged interest.

Who Should Consider the Firestone Card?

Since the card's biggest benefits come from making frequent purchases at Firestone, in particular purchases of several hundred dollars or more, customers with multiple cars who purchase tires and get their vehicles serviced exclusively at Firestone benefit the most.

Customers who only conduct business at Firestone sparingly and pay upfront for tires and auto repairs will benefit less from the card. For these customers, the occasional cardholder savings might not be enough to justify having another credit card payment to juggle.

The Bottom Line

As a store card, the Firestone credit card offers cardholders a convenient way to pay for car repairs, maintenance, tires, and other purchases at their many locations in the U.S. By taking advantage of their six months with no interest offer, you can spread out payments for purchases of $149 or higher.

If you are able to make the minimum payments and pay off your balance on time, you won't incur any interest charges and the card could be a good deal for you. However, if you can't follow these stipulations, you'll be stuck paying a hefty interest charge of 28.8%, something you'll need to consider when deciding if the card is right for you or not.

Frequently Asked Questions

How Do I Get a Firestone Credit Card?

You can get a Firestone credit card through Credit First National Association (CFNA), which is Firestone's third-party finance company. You can apply for the card online or you can apply in person at a Firestone automotive service location.

What Credit Score Do You Need for a Firestone Credit Card?

To be approved for a Firestone credit card, you'll likely need a fair to good credit score, which is a common standard for most store credit cards. FICO scores—which are the most widely used credit scores for U.S. consumer lending decisions—list a fair credit score as between 580 and 669, while a good credit score is between 670 and 739.

Where Can I Use My Firestone Credit Card?

You can use your Firestone credit card at any one of over 1,700 Firestone automotive repair facilities located throughout the United States. The Firestone credit card is a private label credit card that is store-branded and can only be used at Firestone locations.

How Do I Pay My Firestone Bill Online?

To pay your Firestone credit card bill online, you'll first need to create an account with Firestone's third-party finance company, Credit First National Association (CFNA). You'll then be able to pay your credit card bill by logging into your account and clicking the View Payments link.