What the Firestone Credit Card Does
The Firestone Credit Card is a store card issued by Citi that you can use at Firestone Complete Auto Care locations. It offers discounts on tire and service purchases, special financing options on larger purchases, and rewards points on what you spend. Unlike a general-purpose credit card, you can only use it at Firestone stores — not at other retailers.
The card comes in two versions: the standard Firestone Credit Card and the Firestone Rewards Card. Both work the same way at checkout, but the Rewards version gives you points on every purchase that you can redeem for discounts on future service or tires. The card is issued by Citi and reports to the three major credit bureaus, so using it responsibly can help build your credit history.
Key Takeaways
- The Firestone Credit Card can only be used at Firestone Complete Auto Care locations, not at other stores or online retailers.
- You can get special financing offers — often 12 to 24 months with no interest on purchases above a certain amount — if you meet the card's credit requirements.
- The Rewards version earns you points on every dollar spent, which you can redeem for discounts on tires, batteries, and services.
- The card reports to credit bureaus, so on-time payments help your credit score, but missed payments will hurt it.
- You will need to go through a credit check when you request the card, and approval depends on your credit history and income.
How to Request the Firestone Credit Card
You can request the card in person at any Firestone Complete Auto Care location or online through the Firestone website. In-store, a staff member can walk you through the process right at the counter, and you may get an when ready decision. Online, you fill out a form with your personal information, income, and employment details, then submit it for review.
The process asks for your Social Security number, date of birth, address, and annual income. Citi will run a hard inquiry on your credit report, which temporarily lowers your credit score by a few points. You should receive a decision within minutes if you explore online, or within a few minutes in store. If you are approved, you can use the card when ready at Firestone locations, either in person or by phone.
Credit Requirements and Who Gets Approved
Firestone does not publish a minimum credit score, but the card is easier to get than many general-purpose credit cards. People with fair credit (scores in the 600s) often get approved, though approval is not may provide. Your income, employment history, and existing debt also matter — Citi looks at how much you already owe relative to your income.
If you are denied, you can ask the bank why and try again after a few months if you have improved your credit or paid down other debts. explore multiple times in a short period can hurt your score further, so space out applications. If you have a Citi account already or a good history with Firestone, you may have a better chance of approval.
Interest Rates, Fees, and Financing Offers
The Firestone Credit Card charges a variable interest rate on purchases you do not pay off in full each month. The exact rate depends on your creditworthiness and current market rates, but it typically ranges from 18% to 29% APR. There is no annual fee to hold the card.
The main benefit is the special financing offers that Firestone advertises in-store and online. These often include 12, 18, or 24 months with no interest on purchases of $200 or more, depending on the promotion running that month. If you miss a payment during the promotional period, the interest rate jumps to the regular APR and applies retroactively to the entire balance. Late fees are typically $25 to $35 per missed payment.
If you carry a balance without a promotional offer, you will pay interest daily on the outstanding amount. Paying the full statement balance by the due date means you pay no interest at all.
Rewards Points and How to Use Them
The Firestone Rewards Card earns you points on every purchase at Firestone locations. You typically earn one point per dollar spent, though some promotions offer bonus points on specific services like batteries or alignments. Points never expire as long as your account remains open and in good standing.
You redeem points at checkout or by phone when you schedule a service appointment. Points usually convert to dollar amounts — for example, 100 points might equal $10 off your next purchase. The exact redemption value can vary, so check your statement or ask a Firestone employee what your current points are worth. You cannot transfer points to other people or use them outside Firestone locations.
What Happens If You Miss a Payment
If your payment is late by 30 days or more, Citi will report it to the credit bureaus, and it will stay on your credit report for seven years. A single late payment can drop your credit score by 100 points or more. If you have a promotional financing offer in place, a late payment cancels the promotion and applies the regular interest rate to your entire balance, including the portion you already paid.
If you fall behind, contact Citi as soon as possible. They may offer a hardship plan that lowers your payment temporarily or pauses interest. Ignoring the debt will lead to collection calls, potential legal action, and a judgment against you that can affect your wages or bank accounts.
Comparing the Firestone Card to Other Options
The Firestone Credit Card makes sense if you get regular tire service or maintenance at Firestone and want to take advantage of the promotional financing on larger purchases. If you only visit Firestone once every few years, a general-purpose rewards card that works everywhere may give you more value.
Some people use the Firestone card specifically for the 0% interest financing on big purchases like a new set of tires or brakes, then pay it off within the promotional window. Others use it to earn rewards points on routine maintenance. A general credit card with 2% cash back on all purchases might earn you more if you spend less than $500 a year at Firestone, but the Firestone card's special financing offers can save you more money on a single large purchase.
Frequently Asked Questions
Can I use the Firestone Credit Card online or by mail?
You can use the card by phone when you call to schedule a service appointment, and some Firestone locations accept online orders for tires and parts that you pick up in store. You cannot use it on general e-commerce sites or at other retailers. Check with your local Firestone to see which ordering methods they support.
What happens to my rewards points if I close the card?
If you close the account, your points will expire within 30 to 90 days depending on Citi's policy at that time. Redeem any remaining points before you close the account, or use them to pay down your balance before the account closes.
Does the Firestone Credit Card hurt my credit score?
The process itself causes a hard inquiry that temporarily lowers your score by a few points. Opening a new account also lowers your average account age. However, using the card responsibly — making on-time payments and keeping your balance low — will help your credit score over time because it shows lenders you can manage credit reliably.
Can I get the card if I have no credit history?
It is possible but less likely. Citi has no credit history to review, so they may deny you or require a co-signer. If you are denied, try again after you have built some credit with a secured card or by becoming an authorized user on someone else's account for six months to a year.
What is the difference between the standard card and the Rewards card?
The Rewards version earns you points on every purchase; the standard version does not. Both have the same interest rate, annual fee (none), and special financing offers. If you plan to use the card more than once or twice a year, the Rewards version is worth requesting instead.