Apply for Tires Plus Credit Card

Spread the love

Apply for Tires Plus Credit Card: If you regularly visit Tires Plus for your car’s maintenance, oil changes, or new tires, then the Tires Plus Credit Card might be something you’ve come across. This isn’t just any credit card—it’s a store-branded financing card tailored for automotive services and purchases specifically at Tires Plus and affiliated locations. It works like any standard credit card but is only accepted at certain auto care centers under the Bridgestone family, including Firestone Complete Auto Care.

What makes this card appealing is that it’s not just about convenience—it’s a financial tool designed to help you manage large purchases related to your vehicle without putting a strain on your budget. Whether it’s an unexpected car repair or a planned tire replacement, the card allows you to spread out payments with special financing options. This feature alone makes it a solid choice for drivers who want to avoid paying everything upfront.

So, in short, the Tires Plus Credit Card is a dedicated auto care financing solution that helps you keep your vehicle in tip-top shape while maintaining control over your wallet.

Who Issues the Tires Plus Credit Card?

The Tires Plus Credit Card is issued by CFNA—Credit First National Association. This financial institution specializes in providing private label credit cards for automotive and tire retailers. As a subsidiary of Bridgestone Americas, CFNA has been in the business for over 40 years, which adds a layer of credibility and trust.

CFNA takes care of the entire backend process—application handling, credit checks, billing, customer service, and all related account management. When you apply, you’re essentially applying for a CFNA account tailored specifically for use at Tires Plus and partner locations.

Because CFNA is an established institution with experience in automotive financing, the approval process and ongoing account management are streamlined. You also benefit from their digital tools, such as online bill pay, statement tracking, and dedicated customer support. This makes the entire experience—from application to usage—simple and secure.

Benefits of the Tires Plus Credit Card

Special Financing Options

One of the biggest draws of the Tires Plus Credit Card is the promotional financing. Think about this: What if you could get essential repairs or new tires today, and not worry about paying interest—as long as you pay it off within the promotional period? That’s exactly what special financing does.

Typically, CFNA offers deferred interest promotions for 6 months or more on purchases over a certain amount, like $149 or $299. This means that if you pay off your balance in full before the promotional period ends, you don’t pay any interest. It’s a lifesaver for those sudden, costly repairs that you didn’t budget for.

But here’s the catch—you have to be disciplined. If you don’t pay off the balance within that time, the interest is charged retroactively from the purchase date. So this is ideal for responsible spenders who can take advantage of the interest-free period.

Exclusive Offers and Discounts

Beyond the financing, the Tires Plus Credit Card also hooks you up with exclusive deals. Think coupons, seasonal discounts, and loyalty perks available only to cardholders. These might include discounts on oil changes, brakes, batteries, and, of course, tires. Tires Plus occasionally rolls out email promotions or in-store offers that are reserved strictly for cardholders.

If you’re already spending regularly on vehicle maintenance, these savings can really add up over the course of a year. It’s like stacking benefits—saving money while stretching payments when needed.

No Annual Fee and Other Perks

Nobody likes hidden fees, and fortunately, the Tires Plus Credit Card comes with no annual fee. This means you can keep the card active without having to worry about a yearly charge just to hold it in your wallet. It also makes it a good candidate for building credit with responsible use.

Some other minor perks include:

Easy access to your account through CFNA’s online portal
Option to add authorized users
Monthly email reminders and statement notifications
Cardholder support via a dedicated customer service line

These benefits, combined with the financing and discount opportunities, create a comprehensive card tailored for anyone with recurring car care needs.

Eligibility Criteria for Application

Minimum Age and Legal Requirements

Before you dive into filling out an application, let’s make sure you’re actually eligible. First up—you need to be at least 18 years old. That’s a federal requirement for entering into a credit agreement. Additionally, you need to have a valid Social Security Number (SSN) or Tax Identification Number (TIN), as this is how CFNA performs your identity verification and credit check.

You’ll also need to be a legal resident of the United States. Without these basics, your application will be declined outright. So, make sure all your personal details are accurate and up-to-date before you hit submit.

Credit Score and Financial History

The Tires Plus Credit Card isn’t a premium rewards card, but that doesn’t mean they’re giving it to just anyone. While CFNA is known for approving applicants with fair to good credit (scores around 600+), your financial history still matters. They’ll look at:

Your overall credit utilization
History of timely payments
Any bankruptcies or recent delinquencies
Total debt-to-income ratio

The better your credit profile, the higher your chances of approval—and possibly a higher credit limit. That said, people with limited or average credit still have a fair shot.

Employment and Income Proof

While CFNA doesn’t always require hard documentation during the online application, you’ll still need to report your monthly income and employment status. This helps them determine your ability to repay the balance. Lying here won’t help—if they suspect fraud or inconsistencies, they can ask for verification or deny your application.

Having a steady income—whether it’s from a job, self-employment, or fixed income—will work in your favor. They just want to know that you can manage another line of credit responsibly.

Step-by-Step Guide to Apply Online

Visit the Official Website

Ready to get started? The first step is visiting the CFNA website—this is where the entire application process happens. You can go directly to their page at www.cfna.com and search for “Tires Plus Credit Card” or go directly to the Tires Plus card page.

Here, you’ll see a “Apply Now” button. Clicking that will launch the secure online application form. Make sure you’re using a safe and private internet connection to protect your personal info.

Filling Out the Application Form

Once you’re on the application page, you’ll be asked for standard details like:

Full legal name
Date of birth
Social Security Number
Address and ZIP code
Phone number and email
Monthly income and housing information

Fill out everything truthfully and double-check your information before moving on. You may also be asked whether you want to add an authorized user or sign up for electronic statements.

The process is quick—it typically takes less than 10 minutes to complete if you have all your info handy.

Reviewing and Submitting the Application

Before you hit “Submit,” there’s one last page where you review everything. Pay close attention here. Any typos or errors could cause delays or even lead to a denial. Make sure your income, address, and contact info are correct.

After reviewing, agree to the terms and conditions and submit the application. Most applicants receive an instant decision. If not, you might get a notice saying they’ll contact you within 7–10 business days.

Once submitted, keep an eye on your email or phone for any follow-up. If approved, you’ll usually get your card in the mail within 7–10 days.

Applying In-Store at a Tires Plus Location

Locate the Nearest Store

Not a fan of online forms or prefer a face-to-face interaction? No worries—Tires Plus also allows you to apply for their credit card in-store. The first step is locating your nearest Tires Plus location. You can use their Store Locator Tool on the official website. Just enter your zip code or city, and it’ll pull up a list of nearby stores complete with addresses, hours, and contact information.

Why go in-store? Well, if you’ve got questions or you’re not super confident about the online process, you’ll appreciate having someone walk you through it. Plus, if you’re already there for service, it’s a convenient time to apply.

In-Store Application Process

Once you arrive at the Tires Plus location, just let a staff member at the counter know you’d like to apply for the credit card. They’ll usually have a terminal or tablet you can use to complete the same application that’s available online, or they may guide you through a paper-based form if necessary.

You’ll still need the same personal and financial information:

Valid photo ID (like a driver’s license)
Social Security Number
Current income details
Contact info (address, phone, email)

The application is still processed through CFNA, even though you’re doing it in the store. So the credit check and approval process remain the same. However, the benefit of doing this in person is that you can ask questions right then and there—whether it’s about the credit limit, financing options, or how to use the card after approval.

Getting Help from a Store Representative

Tires Plus employees are usually well-versed in the credit card program and can provide you with all the details you might need. From explaining how special financing works to helping you understand payment terms, they’re there to assist.

They’ll also be able to let you know if there are any active promotions or offers you could take advantage of by signing up. Sometimes, there are limited-time deals—like a discount on your first purchase when using the card—that you wouldn’t want to miss.

Having that human touch can be especially reassuring if it’s your first time applying for any kind of credit card. If you’re not approved immediately, they can tell you what to expect next.

What Happens After You Apply

Application Review Timeline

Once you’ve submitted your application—whether online or in-store—the waiting game begins. Luckily, most applicants get an instant decision thanks to CFNA’s automated review system. If you’re approved, you’ll see a confirmation page with your credit limit and some basic info about your new account.

In some cases, the application might go under further review, especially if there are discrepancies in your credit report or if your score is on the borderline. If that happens, CFNA will notify you by mail or email within 7–10 business days. So, don’t panic if you don’t hear back right away.

Possible Approval or Denial Reasons

If you’re approved—congrats! You’ll get your card in the mail within a week or so, and you can start using it at Tires Plus and its partner auto centers.

If you’re denied, CFNA is required by law to send you an adverse action letter. This letter will explain why your application was declined. Common reasons include:

Low credit score
High debt-to-income ratio
Recent delinquencies or bankruptcies
Incomplete or unverifiable application info

While rejection is disappointing, it’s also a useful reality check. The good news is that you can always work on improving your credit and try again later.

What to Do If You’re Denied

If you didn’t get approved, don’t be discouraged. Here’s what you can do next:

Review the denial letter carefully to understand the reason.
Check your credit report for any errors or outdated info.
Work on improving your credit—pay down balances, make on-time payments, and avoid new hard inquiries.
Apply again after a few months, especially if you’ve taken steps to boost your score.

In the meantime, consider using a general credit card or other financing methods if you need to handle vehicle expenses.

Managing Your Tires Plus Credit Card

How to Make Payments

Once you’re a cardholder, managing your Tires Plus Credit Card is fairly straightforward. CFNA provides a secure online portal at cfna.com where you can log in to view your balance, track transactions, and most importantly—make payments.

Here are your payment options:

Online Payments – Log in to your CFNA account and pay via bank transfer.
AutoPay – Set up automatic payments so you never miss a due date.
Phone Payments – Call CFNA’s customer service line to pay over the phone.
Mail Payments – Send a check or money order to the billing address provided on your statement.

The best approach? Automate your payments or set reminders to avoid late fees and interest charges.

Tracking Statements and Due Dates

Each month, you’ll receive a digital or paper statement (based on your preference) that outlines:

Your current balance
Minimum payment due
Payment due date
List of recent transactions
Available credit

Keep an eye on your due date to avoid late fees or credit score dips. CFNA also sends payment reminders via email or SMS if you’ve opted into alerts.

Use this info to plan your payments, especially if you’re taking advantage of a promotional financing offer. Remember—if you miss the window, interest charges kick in retroactively!

Contacting Customer Service

If you ever run into issues or have questions about your account, CFNA offers solid customer support. You can reach them by:

Phone: 1-800-321-3950 (Mon–Fri, 8am–9pm EST)
Email: Through the contact form on cfna.com
Mail: CFNA, PO Box 81344, Cleveland, OH 44188-0344

Whether it’s a billing concern, payment dispute, or just general inquiries, their team is there to help.

Safety Tips for Using a Store Credit Card

Protecting Your Account

When you get a store credit card like the Tires Plus Credit Card, it’s crucial to treat it with the same level of care as you would any major financial tool. Your card contains sensitive data that, if mishandled, could open you up to identity theft or unauthorized charges.

Here are a few basic yet powerful ways to protect your account:

Never share your account number or login details. Even with close friends or family members—your info is yours alone.
Use strong, unique passwords. Avoid simple combinations like your birthday or “password123.” Enable two-factor authentication (2FA) if available.
Log out of public computers. If you’ve accessed your CFNA account at a library or shared workstation, always log out completely to avoid data leaks.
Monitor your account regularly. Even if you don’t use your card often, log in at least once a month to check for unfamiliar transactions.

Being proactive about security doesn’t take much effort—but it can save you from a world of trouble down the road.

Recognizing Fraudulent Activity

No one wants to wake up to a massive unauthorized charge on their credit card, but it happens. That’s why it’s important to know the signs of fraud so you can act fast. These signs include:

Strange charges for services or locations you never visited
Unexplained account activity (like address changes)
Duplicate or split transactions that seem suspicious
Missing statements or payment confirmations

If you notice any of these red flags, your first step should be to contact CFNA customer service immediately. They can temporarily freeze your account, launch an investigation, and issue a new card if needed.

Reporting Lost or Stolen Cards

Misplaced your card? Or worse—suspect it’s been stolen? Time is of the essence. Immediately call CFNA’s customer service at 1-800-321-3950 and report the issue. The sooner you act, the less chance someone has to misuse your account.

Here’s what usually happens next:

Your card is deactivated to prevent further use.
CFNA will review any suspicious activity and flag fraudulent transactions.
You’ll be issued a replacement card, usually within 7–10 business days.

They may also walk you through updating any autopay settings and resetting your online login credentials for added safety.

Alternatives to Tires Plus Credit Card

Other Store Credit Cards for Car Maintenance

The Tires Plus Credit Card isn’t the only player in town. Several other automotive retailers also offer similar store credit cards, and depending on your needs or location, you might find better deals elsewhere.

Here are a few popular alternatives:

Firestone Complete Auto Care Credit Card (also issued by CFNA)
Goodyear Credit Card
Midas Credit Card
Pep Boys Synchrony Car Care Card

These cards usually offer similar benefits—special financing, discounts, and auto service perks. The major difference lies in the locations where they’re accepted, and the kinds of promotions they run.

If you already have a preferred shop, it makes sense to get their card. But if you’re flexible, shop around for the one that offers the best perks for your budget.

General Credit Cards with Auto Perks

Another option is using a general-purpose credit card that comes with automotive-related benefits. These cards can be used anywhere, not just at specific service centers, and they often provide cashback or points on gas, maintenance, and more.

Some popular choices include:

Chase Freedom Unlimited – Earns cashback on all purchases, including auto services.
Citi Custom Cash Card – Offers 5% cashback in your top spending category.
Blue Cash Preferred® Card from American Express – Provides cash back on gas and transit expenses.

These cards might not offer 0% financing on repairs, but they do provide more flexibility, rewards, and can help build long-term credit.

Choosing the Right Card for Your Needs

So, which card should you go for?

If you:

Frequent Tires Plus often
Want access to special discounts and promotions
Need occasional financing options

Then the Tires Plus Credit Card is a great fit.

But if you:

Use different auto service providers
Prefer a card that earns rewards
Want one card for all spending categories

Then a general rewards card might make more sense.

Ultimately, it depends on your spending habits, financial goals, and how often you service your vehicle. Consider all your options before applying, and don’t forget to read the fine print.

FAQs about Apply for Tires Plus Credit Card

Can I Use the Tires Plus Credit Card Anywhere Else?

No, the Tires Plus Credit Card is a store card and can only be used at Tires Plus, Firestone Complete Auto Care, and other Bridgestone retail stores that accept CFNA. It’s not accepted at general retailers or gas stations.

How Long Does Approval Take?

Most applicants receive a decision within minutes when applying online or in-store. If further review is needed, CFNA will mail a decision within 7–10 business days.

Does the Card Help Build Credit?

Yes! Like any revolving credit account, using the Tires Plus Credit Card responsibly can help you build or improve your credit. Just make sure to make on-time payments and keep your balance low.

Can I Cancel the Card Anytime?

Absolutely. You can contact CFNA customer service to close your account at any time. Just be aware that closing a card may impact your credit utilization and potentially lower your credit score temporarily.

Are There Any Hidden Charges?

There’s no annual fee, but you might face charges for:

Late payments
Returned payments
Interest if you carry a balance or miss the promotional window

Always read your terms and conditions to understand the full cost structure.

Conclusion

Applying for the Tires Plus Credit Card can be a smart move if you frequently service your vehicle or need a financing solution for unexpected repairs. With exclusive discounts, special financing, and no annual fee, it’s tailored for convenience and savings. Whether you apply online or in-store, the process is straightforward and typically quick.

Still, it’s important to weigh the pros and cons, stay on top of payments, and make sure it fits your financial situation. Like any credit tool, responsible use will not only keep your car running smoothly—but also keep your credit in great shape.

If you’re ready to enjoy the benefits, head over to CFNA.com or visit your nearest Tires Plus location and get started today!