Firestone vs Goodyear Credit Card: Which Tire Card Is Better?

Research-based comparison: I haven’t personally held either card. This comparison is based on verified issuer data and research into real cardholder experiences. Verify all figures at the official issuer websites before applying.

The short answer is: the Goodyear Credit Card wins if this is a one-time tire purchase, and the Firestone Credit Card wins if you’ll keep shopping at Firestone. On a $600 set of tires paid off in time, Goodyear’s flat $50 rebate beats Firestone’s 5% off ($30). For a repeat customer, Firestone comes out ahead, $55 to $50 in Year 1 and $45 to $0 every year after, because it keeps paying 3% back and Goodyear pays nothing ongoing.

Both cards have a $0 annual fee, both offer 6-month deferred-interest financing, and their APRs sit about a point apart. So the real question is the size of your purchase and whether you’ll come back. I ran three purchase scenarios below to show where the line falls.

At a Glance

The cards look alike on the fee, the APR and the financing. They differ on the incentive: a percentage off plus ongoing rewards on one side, a flat rebate and nothing after that on the other. Neither issuer publishes a minimum credit score, so read our guide on credit scores for store cards instead of trusting a number from a forum.

Firestone’s card is issued by Credit First National Association (CFNA) and works at Firestone Complete Auto Care and participating CFNA merchants. Goodyear’s is issued by Citi and works at Goodyear locations and Exxon/Mobil stations.

How the Rewards Work

Firestone Credit Card

Your first purchase gets 5% off automatically, with no minimum spend. That discount is time-bound, and CFNA says offers like it may be modified or canceled at any time, so check the current terms before you apply.

After that, you earn myCFNA Rewards. It’s 3% back in Tier 1 ($0 to $1,249.99 of net purchases in a calendar year) and Tier 2 ($1,250 to $2,499.99), and 4% in Tier 3 ($2,500 and up). Every 1,000 points is a $10 statement credit, issued automatically in $10 blocks. Once you reach a tier, it holds through the rest of that year and all of the next.

The catch is where it works. This is a closed-loop card: it only works at Firestone Complete Auto Care and participating CFNA merchants, so it earns nothing anywhere else. Our guide on store cards versus regular cards explains why. The financing is 6 months of deferred interest on purchases of $149 or more. That is not a 0% APR: if any of the promo balance is left at the deadline, interest is charged from the purchase date. Read deferred interest explained before you use it.

One more note: the separate Firestone Mastercard is a different card and account, and none of its terms apply here. Our full Firestone Credit Card review has the details.

Goodyear Credit Card

Goodyear has no ongoing rewards at all. No cash back, no points, no miles on any purchase. What you get is a one-time $50 rebate, by online or mail-in claim, on a first qualifying purchase of $250 or more before tax. It’s paid by prepaid physical or virtual card, and the offer runs through 12/31/2026. Citi also mentions “exclusive cardmember savings” on select Goodyear tires, but gives no dollar value, so I haven’t counted any.

Welcome offers change, so check the current terms before applying. Goodyear’s has a hard end date, which makes that more than a formality.

Like Firestone, it’s closed-loop. It works at Goodyear locations and at Exxon/Mobil stations, and if the fuel angle matters to you, see the Exxon Mobil Smart Card Plus review, which is a separate card. Financing is 6 months of deferred interest on purchases of $250 or more, with interest charged from the purchase date if the balance isn’t paid in full. The Goodyear Credit Card review covers the rest.

The Math: 3 Purchase Scenarios

These are purchase scenarios, not monthly spending profiles, because the real comparison here is financing and the welcome offer. I assume the same purchase at either card’s tire shop, so the result is about the card, not the shop’s prices. The dollar amounts are round numbers chosen for the math, not typical prices.

Here are the assumptions:

• Firestone’s welcome value is 5% of the first purchase. I assume it applies to the whole purchase, since no cap is published.
• Goodyear’s welcome value is the flat $50 rebate. All three scenarios clear the $250 minimum, and the prepaid card arrives after the purchase, so I count it in Year 1.
• Interest when the deadline is missed uses the same simple method as our deferred interest calculator: each month, the balance outstanding during the month times APR divided by 12, with payment at the end of the month and no compounding. I sum six months and charge it at the deadline. It’s an estimate through month 6 only. Interest after the deadline isn’t modeled.
• Rewards are counted only in Scenario 3, on purchases that are neither financed nor the first purchase. Whether Firestone points accrue on financed purchases, or on the discounted first purchase, isn’t confirmed, so I count neither.
• APRs: Firestone 34.99% (2.91583% a month), Goodyear 33.74% (2.81167% a month).

Scenario 1: One big purchase, paid off in time

You buy $600 of new tires and pay it off within 6 months. Both financing plans qualify ($149+ and $250+), so no interest is charged on either card.

Year 1 (with welcome offer):

• Firestone: $30
• Goodyear: $50

Year 2+ (ongoing): this is a single purchase, so there’s no Year 2+ figure. Goodyear has no ongoing rewards, and Firestone’s rewards on financed purchases aren’t confirmed.

Break-even: the annual fee is N/A, since both cards are $0. The number that matters is purchase size. Firestone’s 5% equals Goodyear’s $50 at a $1,000 first purchase (5% x $1,000 = $50). Above that, Firestone’s discount is larger, and no cap is published.

Takeaway: Goodyear wins by $20 at $600. Firestone overtakes it above $1,000.

Scenario 2: One big purchase, deadline missed

Same $600, but you pay $50 a month. After 6 months you still owe $300, so deferred interest lands. Here’s the math: the balance outstanding during each month is $600, $550, $500, $450, $400 and $350, which adds up to $2,850 of balance-months.

• Firestone: $2,850 x 2.91583% = $83.10
• Goodyear: $2,850 x 2.81167% = $80.13

Year 1 (with welcome offer):

• Firestone: -$53.10
• Goodyear: -$30.13

Year 2+ (ongoing): single purchase, no Year 2+ figure, for the same reasons as Scenario 1.

Takeaway: Goodyear again, thanks to the larger flat rebate and a slightly lower APR. But both plans turn a bonus into a loss. The $300 still owed, plus the charged interest, keeps accruing at the regular APR after month 6, and I haven’t modeled that. Run your own numbers in the calculator before you finance anything.

Scenario 3: Repeat customer, pays as you go (no financing)

Your first purchase is $500, paid at the time. Over the rest of the year you spend another $1,000 across several visits, also paid as you go.

Year 1 (with welcome offer):

• Firestone: $55
• Goodyear: $50

Year 2+ (ongoing): the same $1,500 a year, all on the card. Firestone earns 3% x $1,500 = $45 (4,500 points: $40 issued now, 500 points carried toward the next $10 block). Goodyear earns $0. The 3% rate applies because spending stays under $2,500 a year. The 4% tier needs $2,500 or more.

Takeaway: Firestone wins Year 1 by $5 and every year after by $45. Year 1 is close. The real gap is the ongoing 3%.

Where Each Card Wins

The pattern is purchase size and repeat visits. A single mid-sized job favors the flat rebate, a big job or a long relationship favors the percentage and the rewards. And if you’re carrying a balance on either card, neither rate is a bargain, so read are store credit cards worth it before you lean on one.

Who Should Choose Firestone Credit Card

✅ A driver who services the car at Firestone Complete Auto Care several times a year and wants the 3% to keep paying

✅ Someone facing a purchase above $1,000, where 5% off beats a flat $50

✅ A buyer with a $149 to $249 job who still wants 6-month financing

✅ A shopper who will pay off within 6 months and would rather have a fixed rate (34.990%) than a variable one

If this sounds like you, the Firestone Credit Card is the right call.

Who Should Choose Goodyear Credit Card

✅ Someone buying one set of tires of about $250 to $999, where the flat $50 beats 5%

✅ A driver who also fuels at Exxon/Mobil and shops at Goodyear locations

✅ A buyer who needs 6-month financing on a $250+ purchase and has a payoff plan

✅ A shopper who doesn’t expect to return and has no use for ongoing rewards

If this sounds like you, the Goodyear Credit Card is the right call.

The Bottom Line

Here’s what I’d actually tell a friend who asked me this: it comes down to how big the purchase is and whether you’ll be back. I’ve run the numbers, and Goodyear wins the one-time purchases between $250 and $1,000, while Firestone wins above $1,000 and for anyone who keeps shopping there.

Whichever you pick, remember that both welcome offers can change, and Goodyear’s ends 12/31/2026. Missing the 6-month deadline erases the bonus on either card, and in Scenario 2 it turned both into a loss. If you can’t pay the balance off in time, skip the financing.

If neither fits, see our list of the best auto and tire credit cards, which includes other tire-store cards such as the Discount Tire Credit Card. For the full details on each card, read the Firestone Credit Card review and the Goodyear Credit Card review.