A single set of four new tires can run $600 to $1,000, and that bill often shows up when you least expect it. The Mavis Tire credit card is built for exactly that moment, offering promotional financing so you can spread the cost over time.
This review covers what the Mavis Tire credit card is, who issues it, its real rates and fees as of July 2026, and where it can be used. It also looks at a few general-purpose cards that build credit, in case a store card is not the right tool for you.
Key Facts at a Glance
| Feature | Mavis Tire Credit Card |
|---|---|
| Issuer | Synchrony Bank |
| Purchase APR | 34.99% (new accounts as of 07/31/25) |
| Penalty APR | 39.99% |
| Minimum interest charge | $2 |
| Annual fee | $0 |
| Promotional financing | 6 months on purchases of $199 or more |
| Where accepted | Mavis brands plus 1 million+ Synchrony Car Care locations |
| Prequalify option | Yes, no credit score impact |
Rates and terms are as of July 2026 and may change. APRs vary by creditworthiness. Terms and conditions apply.
What the Mavis Tire Credit Card Is
The Mavis Tire credit card is a store card issued by Synchrony Bank. It gives you a revolving credit line you can use again and again at Mavis locations and across the wider Synchrony Car Care network. If your credit is still growing, it helps to know how store cards for fair credit work before you apply.
It is not a general rewards card. Its main draw is promotional financing on auto purchases, plus cardholder discounts and rebates that Mavis runs throughout the year.
Rates and Fees
The headline number matters here. For new accounts as of July 31, 2025, the purchase APR is 34.99%, and the penalty APR is 39.99%. The minimum interest charge is $2. If the term is unfamiliar, our guide to what APR means on a credit card breaks it down.
That APR is high, well above the roughly 21% to 25% average for general credit cards. The card carries no annual fee and $0 fraud liability, but the interest cost means carrying a balance outside a promotional period can get expensive fast.
How the Promotional Financing Works
Mavis offers 6 months of promotional financing on qualifying purchases of $199 or more. If you pay the full promotional balance before the promo period ends, you can avoid interest on it.
Here is the catch to watch. This is deferred interest, not a true 0% offer. If any balance remains when the promo ends, interest is charged back to the original purchase date, and the required minimum payments may not clear the balance in time. Gas station purchases do not qualify for promotional financing.
Where You Can Use It
The card works across all Mavis-owned brands, including Mavis Discount Tire, Town Fair Tire, Express Oil Change, Brakes Plus, Tuffy, Action Gator Tire, and Jack Williams Tire.
Because it is part of Synchrony Car Care, it also works at more than 1 million auto-related locations nationwide. That includes gas stations, car washes, auto insurance, car rentals, rideshare, parking, and tolls.
What Credit Score You Need
Synchrony does not publish a hard cutoff, and approval depends on your full profile. Based on how store cards from Synchrony typically work, applicants often fall somewhere around 640 to 700, though people with lower scores are sometimes approved.
You can check if you prequalify with no impact to your credit score. This kind of soft pull pre-approval is different from a full application, which triggers a hard inquiry on your credit report.
If You Want a Card You Can Use Anywhere
A store card is handy for one merchant, but it will not help much at the grocery store or online. If your real goal is a general card that builds credit and works everywhere, a few options are worth comparing.
The Aspire Mastercard is a general-purpose card accepted anywhere Mastercard is, and it reports to the major credit bureaus, which can help you build history over time.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
Another route is Perpay Credit Card, which pairs a card with a marketplace where payments can be made through payroll deductions, an approach some people find easier to manage. It reports your activity to help build credit.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
The Arro Card takes a different angle, using an app-based system that can help newer borrowers grow their limit as they show responsible use. Like the others, it reports to the credit bureaus so on-time payments can support your score.
Each of these is a general-purpose option, unlike the single-store Mavis card. Compare the APR, fees, and terms of any card before you apply, since all of these products have costs and APRs that vary by creditworthiness.
Arro Card
Arro Card
No deposit. No hard credit check. Start with up to $300 and grow your credit line to $2,500 by completing in-app tasks. Earn 1% cash back on gas and groceries — including Walmart and Target.
Standout feature
Unsecured — no deposit required
Fees
up to $60/ year
Pros
1% cash back on gas & groceries
Cons
Starting credit limit: $50–$300
Is the Mavis Tire Credit Card Worth It?
The Mavis Tire credit card can make sense if you are facing a large tire or repair bill and you can pay off the promotional balance before the six-month window closes. The lack of an annual fee and the wide Synchrony Car Care acceptance are genuine pluses.
The risk is the 34.99% purchase APR and the deferred-interest structure. If you might carry a balance past the promo period, the interest can wipe out any savings. For everyday spending and building credit, a general-purpose card is usually the better long-term tool.
Frequently Asked Questions
Who issues the Mavis Tire credit card?
The Mavis Tire credit card is issued by Synchrony Bank. You manage the account, make payments, and check your balance through Synchrony's website or customer service line as of July 2026.
What is the APR on the Mavis Tire credit card?
For new accounts as of July 31, 2025, the purchase APR is 34.99% and the penalty APR is 39.99%, with a $2 minimum interest charge. That rate is higher than most general credit cards, so carrying a balance can be costly. APRs vary by creditworthiness.
Does the Mavis Tire credit card have an annual fee?
No. The Mavis Tire credit card has no annual fee and comes with $0 fraud liability as of July 2026. Its main cost is the interest you may pay if you carry a balance.
Can I use the Mavis credit card outside of Mavis stores?
Yes. Because it is part of the Synchrony Car Care network, the card works at more than 1 million auto-related locations nationwide, including gas stations, car washes, and parking. Gas station purchases, however, do not qualify for promotional financing.
