Big O Tires Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and customer service info for The Big O Tires Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APRDeferred interest
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Big O Tires Credit Card has a rating of 2.9/5 according to our proprietary credit card rating system. This rating reflects how appealing Big O Tires Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases (Store Cards)'. To break it down further, Big O Tires Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 2.5/5 for Cost, 2.8/5 for APR, and 3.7/5 for User Reviews. Info about the Big O Tires Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.7/5
289 reviewsRead and write reviews
Market Comparison
Market Comparison
2.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases (Store Cards)” for this card.
Fees
5.0
Rewards
0.0
Cost
2.5
APR
2.8
2.8/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 - 12 months, 29.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Big O Tires Credit Card's Additional Info
Deferred Interest Details: No interest if paid in full within 6 or 12 months on purchases of at least $199 or $1,200, respectively.
Exclusive Benefits: $20 off Alignment Package on purchase of at least $20 and a $29.99 Road Trip Package at participating locations.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.7
Market Comparison
2.8
fees: 5.0
rewards: 0.0
cost: 2.5
APR: 2.8
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
Market Comparison
4.3
fees: 5.0
rewards: 4.1
cost: 4.5
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Big O Tires Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The easiest way you can pay your Big O Tires Credit Card is either online or over the phone at (866) 836-9841. Alternatively, you can pay your credit card bill via mail. Unfortunately, you cannot make a payment in person.
Here's how you can pay your Big O Tires Credit Card:
Online: You can make a Big O Tires Credit Card payment by logging in to your online account.
Phone: If you prefer to make a payment over the phone, call customer service at (866) 836-9841.
Mail: To pay your credit card via mail, send a check or money order (but not cash) to the following address:
Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003
Keep in mind that payments via mail take the longest time to post. So, in order to avoid being late, always send your payments at least 5-7 days before your due date.
The Big O Tires Credit Card phone number for customer service is (866) 836-9841. When asked to enter your credit card number or Social Security number say “I don't have it.” This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to the Big O Tires Credit Card Customer Service
You can use your Big O Tires Credit Card for purchases at Tire Kingdom, Merchant's Tire & Auto Centers, NTB, and Big O Tires locations.
The Big O Tires Credit Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
The Big O Tires credit card delivery time is the same as most other credit cards, which is 7-10 business days. Unfortunately, there's no way to expedite delivery for it.
Unfortunately not. You can only use the Big O Credit Card at Tire Kingdom, Merchant's Tire & Auto Centers, NTB, and Big O Tires locations. Please let us know if you have any other questions.
The Big O Tires Credit Card uses either Experian, TransUnion or Equifax for approval. Unfortunately, there is no way to tell which one will be used beforehand, because it will be randomly selected. When applying for the card, a hard inquiry will be conducted.
After approval, the Big O Tires Credit Card will report to all three bureaus.
You need a credit score of at least 640 to qualify for the Big O Tires credit card, which is fair credit. That's reasonable, and it's in line with what most store cards require, so make sure to check your credit score in advance.
If it's been more than two weeks and you still don't have your Big O Tires card, a good idea would be to call their customer service line at 866-350-6853.
Share your insights and review for the Big O Tires Credit Card
5
23%
4
49%
3
11%
2
8%
1
9%
3.7
289 reviews
289 reviews
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cece_broussard @cece_broussard
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1 Star Rating
Stay away! Please don't get this card. Payment due on the 1st, made on the 2nd. Just noticed they have been charging me $41 every month since I got the card; they will only reverse one late fee at $15 as a favor. Please stay away from Big O Tire Credit Card!
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ynakamura2252 @ynakamura2252
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1 Star Rating
Verified Customer
It seems that Big O Tires keep changing banks or something like that. I used comenity bank, now the bank will not give me a card, I just had the card for a year and now I was told that there is no longer service through comenity bank. I have no clue to who deal with Big O Tires, maybe it's time to give up dealing with the Big O Tires and move on to a different store, Yes I am going to leave, Maybe my next stop is Firestone, I had my account with them for over 9 years and had no problems and no bank problems either.
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Vince @heinze777
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5 Star Rating
Verified Customer
Big OO tire card is a great convenience and they super hard to have in your wallet for emergency situation such as flats and external engine repair
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John @jhnvance37
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4 Star Rating
Verified Customer
They are ok. I orderd rims for my vette there but due to Biden’s blunders they never came in. After three mos. I canceled order wish I had them
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Stuart @sgabriel1960
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1 Star Rating
Verified Customer
Was approved for this card, when I received the card the company canceled it. I called and couldn’t get a reasonable answer as to why it was approved then canceled before I ever used
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marshalll83_lm @marshalll83_lm
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1 Star Rating
Getting this card was the worst thing I've ever done. Nothing but constant problems. Can't confirm it's me by using my SSN so wouldn't let me pay my bill for 2 months then took down my credit score for late payment. When they finally let me pay the bill I tried paying the entire thing, plenty of money on other card to do so... They left a $27 balance then charged me around $80 in late fees.
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Tim Boyle @truckdriver1234
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1 Star Rating
Unfortunately they will not credit your account on an early payment. I hope they are happy with their customer service or lack of, it just caused them to not only close my paid off account and as soon as my wife's is paid off that is closed as well. Very poor customer service at Citi Bank it just cost them 2 accounts, loosing this customers because they have horrible customer service.
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Tamara Yakel @tamaray_1
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1 Star Rating
Not even worth having because every time I have tried to use they have always asked if I had a different card because it's too much of a hassle to get an approval!!! Why even offer them if it too much of a hassle to use it!!!! If I would have know that it was going to be like this every time I wouldn't of even got it and had it put on my credit report!!! Waste of time!!
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Albert Phan @albert.phan.7
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1 Star Rating
If you're planning on going to or a frequent buyer of Big O Tires, then the Big O Tires Store Card is a card that's definitely worth checking out. Although there are no rewards, purchases and cash advances are on par with other cards, it has its perks by having special rebate/coupon offers, special financing, and low monthly payments for frequent buyers. There's no balance transfers and you also need to spend $250 or $500 minimum to get great benefits. Comparing this to the National Tire and Battery Store Card, Big O has higher rates that you need to clear compared to the NTB, such as NTB having a $200 minimum and Big O having $250. This is a last resort card and I wouldn't recommend it at all.
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Nick Martocello @nmartocello
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1 Star Rating
The Big O Tires Store Card is maybe the perfect card for you, but most likely not. You wont really be getting much out of it unless youre having tons of tire issues weekly or monthly. But who really has that issue. You get prepaid visa cards if you pay a select amount and a high % rate for fees. If you buy tires you get 6 months interest free to pay them off. You would be better off using a gas card for the most park like Quik or NEA or general cash rewards card and just build your points off of spending it on the repairs and tires.My opinion would to be stray away from it and get a Chase Rewards or Visa Rewards card.
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