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Firestone Credit Card Review

Firestone Credit Card Review

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Nov 05, 2018, but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

If it’s approaching time to change your car’s tires or you need to make other costly auto service purchases and you favor the auto store Firestone, you may be tempted to open the Firestone Credit Card. This is a store card that can only be used on Firestone purchases. The main draw of this card is the special financing offer, but we recommend avoiding it if you can since it comes with a deferred interest clause.

On top of that, the Firestone Credit Card doesn’t offer cardholders many perks. While it has a $0 annual fee, this card can cost you if you carry a balance since the APR is very high at 28.80% fixed.

We’ll review the special financing offer provided by the Firestone Credit Card and provide better alternatives for your tire and auto service purchases.

Special financing offers*

The Firestone Credit Card offers one special financing offer:

  • No interest if paid in full within 6 months. Applies to purchases of $149 or more. After the interest-free period, there’s a 28.80% fixed APR.

This offer may seem like a decent deal, but it’s short compared to mainstream credit cards that provide interest-free periods up to 21 months. Plus, alternative cards from the major banks may not have deferred interest, which we explain in detail next.

Watch out for deferred interest

Many store cards charge deferred interest, which means if you take advantage of a special financing option and don’t pay it in full before the promotional interest-free period ends, you will incur all the interest you would’ve been charged during the interest period.

Here are the deferred interest terms for the Firestone Credit Card:

“You will not owe us interest charges that accumulate on six month payment purchases during the delay period if we receive (a) the required minimum payment due by its payment due date for each billing cycle during the delay period and (b) the full amount of your six month payment purchases by the end of the delay period.

If we do not receive the full amount of a six month payment transaction by the end of the delay period, you will owe us interest charges that accumulated (a) on such six month payment purchases during the delay period and (b) on six month payment purchases in the prior billing cycle.”

To avoid deferred interest charges, make sure you pay your entire balance in full before the promotional interest-free period ends. Continuing to carry a balance after the special financing period defeats its purpose and may cause you to fall into debt — the interest rate is very high at 28.80% fixed APR.

Additional perks

The added benefits of the Firestone Credit Card are limited to exclusive monthly deals and coupons. The lack of perks is yet another reason the Firestone Credit Card isn’t a great offer.

Compare it with the Goodyear Credit Card

If you’re looking for an auto store card that provides more cardholder perks, the Goodyear Credit Card is a decent alternative.

The Goodyear Credit Card and the Firestone Credit Card both offer the same six-month interest-free period with deferred interest, but the Goodyear Credit Card requires you to spend more to qualify — $250 versus the Firestone Credit Card’s $149. Typically, special financing purchases are for high-ticket purchases, so this shouldn’t be much of a deal breaker.

The Goodyear Credit Card shines with the additional perks cardholders can benefit from, which include free tire rotation, rebate offers, oil change discounts and other offers. In comparison, the Firestone Credit Card only offers monthly deals and coupons. If you want a card that can provide you with more perks, the Goodyear Credit Card is a better option.

Here’s a breakdown of the key features of each card:

Firestone Credit Card Goodyear Credit Card
Annual Fee $0 $0
Regular Purchase APR 28.80% fixed 30.24% variable
Special Financing Offer No interest if paid in full within 6 months. Applies to purchases of $149 or more. No interest if paid in full within 6 months. Applies to purchases of $250 or more.

Better alternative cards for financing tires and auto services

The alternative cards mentioned below provide longer intro periods than the Firestone Credit Card, no deferred interest terms and the ability to use your card on all purchases outside Firestone. Plus, some may offer rewards and other benefits.

For upcoming purchases, cards with 0% APR on purchases:

  • Unlimited 1.5% cash back on every purchase - it's automatic!

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • No minimum to redeem for cash back

Highlights
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

See additional details for Chase Freedom Unlimited®

More Info

  • Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.

  • 0% Intro APR on purchases and balance transfers for 15 months

  • 16.99% - 25.74% Variable

Highlights
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey?
  • No annual fee

See additional details for Chase Freedom®

More Info

For existing balances, a balance transfer card:

  • 0%* for 12 months on Purchases*

  • 0%* for 21 months on Balance Transfers*

  • 15.99% - 25.99%* (Variable)

Highlights
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

See additional details for Citi Simplicity® Card - No Late Fees Ever

More Info

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay

  • 0% for 18 months on Balance Transfers*

  • 15.49% - 25.49%* (Variable)

Highlights
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • No categories to track, no caps on cash back, no annual fee*

See additional details for Citi® Double Cash Card – 18 month BT offer

More Info

  • 0% for 18 Months*

  • Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • 13.99% - 24.99% Variable*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Balance Transfer

More Info

Bottom line

While there’s a chance you can benefit from the special financing offer provided by the Firestone Credit Card, you’ll be better off with one of the alternative cards mentioned above. Unlike the Firestone Credit Card, those cards don’t have deferred interest and may even earn you rewards on your Firestone purchases while you benefit from an intro 0% APR period.

*Terms and conditions apply. This offer and/or promotion has since changed, expired or is no longer available.


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