Friday, August 12, 2022

Is Firestone Credit Card Good

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Private brand credit cards such as Goodyear’s generally require a minimum credit score in the “fair” or “good” range. That should make it a little easier to get than a general-use Visa or MasterCard. If you’re trying to improve your credit score, getting one of these and using it responsibly could be a step back up the credit-score ladder.

Us Bank Altitude Reserve Visa Infinite Card

Weighing in at 16 grams, the stainless steel U.S. Bank Altitude Reserve Card has an annual fee of $400 but brings several travel benefits. These benefits include earning three points for every dollar spent on prepaid hotels and rental cars booked through U.S. Banks travel center as well as all other travel spending and mobile wallet buys. Those who sign up in 2022 can earn 50,000 bonus points if they spend $4,500 during the first 90 days with the card.

Cardholders also get a year of Priority Pass airport lounge access and several Visa Infinite luxury hotel benefits. The Altitude Reserve Card is a metal credit card for those looking to greatly improve their travel experience, one swipe at a time.

The Information You Need To Make The Right Choice

With a wide spectrum of cards available to you, of course you want to know how the Firestone card will reward you.

The good news is that as a cardholder, you periodically get special pricing on tires and other automotive needs.

This ensures youre getting good deals on car essentials.

The even better news is you can get 0% interest on major purchases of $299 and more, anytime you use your card.

If youre a loyal Firestone customer with multiple cars serviced exclusively with them, this card is great for you.

You can have them perform crucial repairs on your vehicles and pay off large balances within six months at 0% and benefit from no annual fees.

Great for managing your cash flow without resorting to loans.

However, if youre not able to pay off the balance in six months for high-dollar purchases, youll be hit with an APR thats worse than the interest on most loans.

Keep in mind that the rate is subject to change at any time.

And if youre a rewards lover, this card will be a disappointment because it doesnt offer rewards like a traditional credit card.

The Firestone card does not provide cash back, points, or other types of rewards common to many credit cards.

Also, remember that because this is a store credit card, it can be used only at Firestone locations and nowhere else.

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How The Goodyear Credit Card Works: Benefits And Rewards

    Thomas J Catalano is a CFP and Registered Investment Adviser with the state of South Carolina, where he launched his own financial advisory firm in 2018. Thomas’ experience gives him expertise in a variety of areas including investments, retirement, insurance, and financial planning.

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  • The Goodyear Credit Card from Goodyear Tire & Rubber Company offers financing for tires and other products and services purchased at Goodyear locations, and can also be used at Exxon and Mobil gas stations .

    Offered through Citibank, the card has some perks, including zero-interest payments for up to six months for some purchases. Like all cards, its terms contain fine print that should be reviewed before signing.

    You Get Special Offers And Pricing

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    Firestone considers cardholders to be important members of your family, which is why we often have promotions, exclusive savings and offers almost all month long. For those who have their credit cards, they have special prices on tires or batteries.

    You can even get a discount on repairs if you pay for them with your Firestone credit card.

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    How To Make A Firestone Credit Card Payment Online

    To make a Firestone Credit Card payment online, youll need to create an online account on CFNAs website. Heres how:

  • Submit your credit card number and Social Security number.
  • Create a username and password for the account and confirm your email address.
  • After creating an online account, heres how to make a payment:

  • Click View Payments to pay your bill.
  • Select your payment amount, and enter your bank account number and bank routing number to complete your payment.
  • A Simple And Painless Application Process That Saves You Time And Offers Speedy Approval

    To apply, you can visit any in-store location or fill out an application online.

    Youll know whether youve been approved within only a few minutes.

    Once youre approved, youll receive your new Firestone credit card in the mail within 5-7 business days.

    You can check the status of your credit card application by calling 1-800-321-3950 and have your application reference number handy.

    Once you have your card and youve created a user log, you can sign in and begin managing your credit card account online.

    Youll be able to take complete control over your card from the web.

    Make payments, view statements, review transaction history, report lost or stolen cards, get notices and disclosures, and more.

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    Do I Need A Good Credit Score To Receive The Firestone Credit Card

    Like many other credit cards, you will need a fairly good credit score to receive the Firestone card. A credit score of 580-669 is considered to be fair while a score of 670-739 is considered a good score.

    Some users have reported that they were able to get the Firestone card even with low credit scores which is why it seems you do not need an outstanding credit score to get this card.

    I Already Opened A Firestone Credit Card

    Is Store Card A Good First Credit Card?

    Because the Firestone credit card carries confusing terms, and a high interest rate, most people should stay away. Of course, if you need financing for car repairs, its easy to sign up for the Firestone credit card before you think through the real cost of the card.

    If youve already opened a Firestone credit card, you may have options to avoid hefty financing charges. The most obvious way to avoid financing charges is to pay off the charges within six months. When that isnt an option, a balance transfer credit card may be the right option.

    With a balance transfer credit card, you can transfer your current account balance to a new credit card that may have a promotional 0% interest rate. The 0% interest rate applies for several months, and interest only starts to accrue after the promotional period ends .

    Most balance transfer credit cards have a balance transfer fee of up to 3% of the balance being transferred. However, that upfront fee can yield major interest savings down the road.

    Transferring a balance gives you extra time to pay off the balance without accruing further interest charges. If you complete the balance transfer before the deferred interest hits your account, you will not have to pay the interest charges.

    Even if Firestone already applied the back interest to your credit card balance, a balance transfer credit card makes a lot of sense. You can use the balance transfer to reduce or eliminate any future interest charges.

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    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 , offers six months of no interest on purchases of $250 and more.

    How To Make A Firestone Credit Card Payment By Mail

    If you prefer paying your bills through the mail, CFNA accepts paper checks and money orders, too. When mailing, include the payment coupon from your credit card statement with your payment if possible. If you dont have the payment coupon, write your Firestone credit card account number on the check or money order to ensure your payment will be credited to your account. Heres the payment mailing address:

    Cleveland, OH 44188-0344

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    Marriott Bonvoy Brilliant American Express Card

    Another option thats great for travelers is the , which has several amazing benefits for those who frequent Marriott hotels. While this metal credit card has a hefty $450 annual fee, it brings the earning power of six times the points for every purchase at Marriott hotels, three times the points for restaurants and flights booked with the airlines, and two times the points for other eligible purchases. A more recent welcome offer can allow new American Express® Card Members to earn 75,000 Marriott Bonvoy bonus points if they spend $3,000 on purchases within the first three months of account opening.

    Weighing in at 14.5 grams, the Marriott Bonvoy Brilliant American Express Card also provides a free anniversary night every renewal year as well as unlimited airport lounge access.

    Ihg Rewards Club Premier Card

    Firestone Credit Card Payment

    With no introductory annual fee attached to it, JPMorgan Chases IHG Rewards Club Premier Card is a metal credit card intended for travelers. In 2022, cardholders can earn 125,000 bonus points if they spend $3,000 on purchases within the first three months of sign-up. They also earn as much as 25 times the points for purchases at any IHG hotel, a free anniversary night each year, as well as Platinum Elite status at all hotels.

    Weighing in at 13 grams, the IHG Rewards Club Premier Card is a bit lighter than most of its competitors. But it sure packs weight in rewards.

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    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 scoreswhich are the most widely used credit scores for U.S. consumer lending decisionslist a fair credit score as between 580 and 669, while a good credit score is between 670 and 739.

    Here’s How To Submit A Milestone Credit Card Application:

    To see if you pre-qualify, submit the form on Milestone Credit Card’s website. You may receive an immediate decision, but it’s not guaranteed. If you are pre-qualified, you should see an invitation link on the page. Click the link to access the online application. Enter your name, address, e-mail address and SSN. Your annual income and your monthly housing payment are also required. When you submit the application, you’re giving Milestone Credit Card permission to conduct a hard pull of your credit report. Hard pulls will lower your credit score, but only for a short period of time.

    Just as with pre-qualification, you should receive an instant decision when you officially apply for the Milestone Credit Card. But it’s important to note that just because you’re pre-qualified does not mean you’re guaranteed to be approved for the card. If you are approved, you should receive your new card in about 14 business days. If your application is denied, Milestone Credit Card may recommend offers for credit cards from partner banks based on your credit profile.

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    Our Last Thoughts On The Firestone Credit Card

    You can benefit from the in-store special financing offer on Firestone Complete Auto Care card. But, since there are no rewards and cash backs on the card, it wont help you save much in repairs and purchases from Firestone. You could get rewards and cash backs from other credit cards and save more than a few bucks on car repairs and car-related purchases.

    Firestone Complete Auto Care card could be a good option for you if you usually struggle to pay your car-related expenses in one go or if you want to use it to rebuild your credit. Otherwise, we would suggest you search the market for better credit cards that can actually help you save money.

    Who Should Consider The Firestone Card

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    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 to juggle.

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    Who Needs This Card

    The benefits of this card are realized by making frequent purchases or major purchases worth hundreds of dollars. As such, it is suitable for small businesses that have several cars to maintain, which need several tire replacements at close intervals.

    This card would be suitable if you are running a small fleet of cars, and you are taking care of the vehicles directly instead of using a fleet management service. It saves the hassles of running after every little expense at the garage. Apply for another other than Firestone.

    A Rewarding Addition To The Wallets Of Loyal Firestone Customers

    Its created specifically for people who frequent Firestones and Rubber Companys over 1,700 US locations.

    Although anyone can apply for the card, its most beneficial to customers who are looking to finance substantial purchases and transactions such as repairs, tires, or maintenance at the companys locations.

    But heres the catch: This is a retail or store credit card, which is different from your standard Visa or Mastercard.

    Store credit cards can only be used at specific stores, in this case, at Firestone and Rubber Company locations.

    In other words, if you get this card, you wont be able to use it to pay for gas or to buy that pair of shoes youve had your sights set on.

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    American Express Gold Card

    The American Express Gold Card is an excellent metal credit card that will satisfy any account holder seeking to refine how they enjoy their travels. Card Members get $120 in dining credit a year, as well as $120 in Uber Cash. Purchases from restaurants, takeout, and groceries also yield four times the rewards points. The 14.7 gram American Express Gold Card has a $250 annual fee and is available in regular Gold or Rose Gold, ensuring that this metal credit card adds flair to shopping while traveling.

    How The Goodyear Credit Card Works

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    When used at Goodyear locations or on the company website, the card works like any other credit card. It offers revolving credit up to a maximum amount set by the issuer. The borrower can use the card to finance purchases made at Goodyear. The basics:

    • The Goodyear Credit Card’s biggest benefit to customers is that 0% interest deal for six months on purchases of $250 or more. This can be a big relief to a customer coping with a blown-out tire. Zero interest will be charged if the cardholder pays off the balance in full in six months or less. If the balance isn’t paid off in time, interest charges kick in.
    • The card is accepted at more than 17,000 Goodyear locations nationwide. It also can be used at Exxon, Mobil, and ExxonMobil gas stations. It also has a cash advance option.
    • Otherwise, this is a store card, known as a “private label” card, not a general use credit card that is accepted everywhere.
    • Interested customers can apply for the Goodyear Credit Card in person at store locations or on the company website. Most customers receive a credit decision within a few minutes.

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    Go Farther With The Bridgestone & Firestone Credit Card

    The Bridgestone and Firestone family of credit cards offers no annual fee and is accepted at over 6,000 Bridgestone and Firestone retailers across the nation. Charge everything from major repairs and scheduled maintenance to the wide selection of name-brand tires, including Bridgestone, Firestone, Dayton and Lemans for your car, van, truck, pickup or SUV.

    Delta Skymiles Platinum American Express Card

    The Delta SkyMiles Platinum Card from American Express is the only airline-related metal credit card on this list for a reason. Weighing in at 15 grams, this stainless steel travel card has a $250 annual fee, but its one of the best available for frequent flyers, with a current welcome offer of 90,000 miles to new Card Members after they spend $3,000 in purchases within the first three months.

    With Delta SkyMiles Platinum, cardholders typically earn three times the miles for Delta and hotel purchases, two times the miles for purchases at restaurants and U.S. grocery stores, and doesnt carry any foreign transaction fees. They also get priority boarding on flights, 20% back on in-flight purchases, and a special rate of $39 at the Delta Sky Club.

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    Special Deals And Monthly Coupons

    As a Firestone Complete Auto Care cardholder, youll receive special deals and monthly coupons that can only be used at Firestone. If you undergo car maintenance at Firestone alone, you could benefit from them and save a few bucks on vehicle-related expenses. However, the deals and monthly coupons wont do you any good if you dont always go to Firestone for vehicle maintenance, repairs or to purchase a new set of tires. Moreover, the deals and coupons arent as good as the rewards and cash backs that are available with most of the other store credit cards.

    What To Do If Your Firestone Credit Card Is Late

    firestone credit card

    Late payments can be made by any of the methods above. However, you may pay up to a $40 late fee each time you miss a due date. This can be costly over time and reflect poorly on your . You can avoid this fee by paying your account on time each month.

    In addition to knowing your due date, it helps to understand when payments are credited to your account. Payments made online or through the mail must be received before 5 p.m. EST to be credited to the account. Phone payments through the automated system or a customer service representative must be made by 11:59 p.m. EST to be credited the same day.

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