The Discount Tire Credit Card, issued by Synchrony Bank through its long-standing partnership with Discount Tire and America's Tire, is a store card designed around one job: making a tire set or major service purchase easier to pay off over a few months without interest, if you hit the deadline.
The deferred-interest tiers
Financing scales with purchase size: 6 months with no interest on purchases of $199-$999.99, 9 months on $1,000-$1,499.99, and 12 months on purchases of $1,500 or more, per Synchrony/Discount Tire terms (verified August 2026). As with any deferred-interest plan, the interest is calculated from day one and only waived if the full promotional balance is paid off by the deadline — miss it, and the full amount is charged retroactively.
A rate that depends on when you opened the account
Synchrony updated new-account terms as of July 31, 2025: new cardholders now see a 34.99% variable purchase APR (with a 39.99% penalty APR possible on a late payment), while some cardholders who opened earlier still carry a lower 26.99% variable APR under their original terms (both verified August 2026).
Our methodology
Every figure above is attributed to Synchrony Bank's own published disclosures, verified August 2026. ClearValue Lending is not a card issuer; we score and compare publicly available terms. Confirm current terms at webtires.net/credit before applying. See our full review methodology.