Finance your tires and wheels with the Discount Tire credit card
Get the flexibility to pay your way. With the Discount Tire credit card issued by Synchrony, you can choose Instant Savings at checkout or Promotional Financing on qualifying purchases—plus manage your account online, enjoy $0 fraud liability, and use your card at over 1 million auto-related locations nationwide.
How it works
Promotional Financing (deferred interest)
6 months on purchases of $199–$999.99
9 months on purchases of $1,000–$1,499.99
12 months on purchases of $1,500 or more
Interest accrues from the purchase date but is waived if you pay the promotional balance in full within the promo period. Minimum monthly payments are required.
Instant Savings
An immediate discount applied at checkout before tax (after other discounts) on qualifying purchases at Discount Tire or America’s Tire.
The everyday Instant Savings starts at $50 on purchases of $599 or more; amounts may change during limited-time offers.
You must choose either Instant Savings or Promotional Financing per qualifying transaction.
Where you can use your card
Accepted at Discount Tire, America’s Tire, and Tire Rack, and at 1M+ Synchrony Car Care locations nationwide for parts, repair, gas, services, and more. Gas station purchases are not eligible for Promotional Financing.
Current limited-time offer
You decide: Save $90 Instantly or choose Promotional Financing
June 30 – July 9: Save $90 at checkout with a total purchase of $799 or more (after discounts), or choose everyday Promotional Financing on purchases of $199 or more, subject to credit approval.
What you’ll need to apply: name, address, phone, date of birth, post-tax annual income, and the last 4 digits of your SSN. If approved, your credit line is typically available instantly so you can complete your purchase right away.
Choosing Instant Savings vs. Promotional Financing
Pick Instant Savings if you prefer an upfront discount on a qualifying purchase at checkout.
Pick Promotional Financing if you want to spread payments over time and can pay the promo balance in full before the promo period ends to avoid interest.
Stacking and exclusions
Manufacturer rebates can be combined with Promotional Financing.
The 5% Military Discount can be used with Promotional Financing but not with Instant Savings.
You cannot combine Instant Savings and Promotional Financing on the same transaction.
Make payments and manage your account
Set up Autopay to automatically pay your Statement Balance, Total Minimum Payment Due, or a custom amount each month.
Pay online via MySynchrony, by phone at 1-866-396-8254, or by mail:
Synchrony Bank, P.O. Box 71715, Philadelphia, PA 19176-1715
Get account support through the MySynchrony app or at MySynchrony.com. For Synchrony Car Care account questions, call 866-657-0376.
Tip to avoid interest on promo plans: Pay the promotional balance in full by the expiration date listed in your monthly statement’s Promotional Summary Box.
Key terms and costs
Deferred interest: Interest accrues from the purchase date and is charged if the promotional balance is not paid in full within the 6, 9, or 12-month period.
Qualifying amount must be on a single receipt after discounts to receive a promo plan.
New Accounts (as of 7/31/25): Purchase APR 34.99%; Penalty APR 39.99%; Minimum Interest Charge $2. Existing cardholders should see their card agreement for terms.
Subject to credit approval. Instant Savings is calculated on the tire and wheel subtotal before tax and after other discounts. Gas station purchases are not eligible for Promotional Financing.
Get started: Review financing options on the Discount Tire credit card page and see the current promotional offer.