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Firestone Credit Card Review: Full Details

Firestone credit card overview

The Firestone credit card is a unique store card in that it offers a tiered rewards system based on spending. With good earnings from Firestone spending, a simple way to redeem earned points, and no annual fee, this card is great for anyone with a cashback wallet who uses Firestone regularly for their automotive needs . Card rating*: ⭐⭐⭐

*Card review based on the opinions of the TPG editorial board and not influenced by the card issuer.

The store tag is Rarely recommended here at TPG, and for good reason. Many have poor earning ratios, unnecessarily complicated redemption methods, and gimmicks that are more headaches than they’re worth.

However, Firestone cards are different. While it’s not for everyone, it can make sense if you use Firestone as your primary auto service and have a wallet focused on cashback.

There are two versions of the Firestone credit card: a closed version that can only be used with Firestone and its partners, and a Mastercard version that can be used anywhere.

Today, we’ll focus on the Firestone Mastercard. It has no annual fee and is recommended credit score from 640 or more. Now, let’s dive into the card details and why this is one of the better store cards available.

Related: Store and cashback credit cards: Which card should I buy?

Firestone credit card information has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Firestone credit card pros and cons

Advantage Defect
  • Earn solid rewards when purchasing Firestone
  • Access to exclusive discounts and offers
  • Redeem rewards easily
  • There is no annual fee
  • Some benefits are locked behind status tiers
  • Lack of comprehensive welcome offer

Related: How to choose your best credit card strategy

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Firestone credit card benefits

Once you open the card, you’ll receive 5% off your next Firestone purchase and $40 in myCFNA Rewards after making a qualifying purchase within 30 days (until June 30, then). Considering this, it would be wise to wait to open this card until you have a few Firestone purchases coming up.

While this welcome offer won’t compete with most regular travel and cash back card welcome offers, it’s good for a store card. If anything, that makes the card worth opening for Firestone loyalists just to get the extra discount; Since this card has no annual fee, you don’t need to worry about getting value beyond that.

Firestone cards also offer Deferred interest financing for six months. As long as you pay off the card in full within six months, you won’t have to pay any interest. However, interest still accumulates during this time, so if you don’t pay the full amount on time, you’ll be faced with a bill that could give you a heart attack.

While I don’t recommend using a deferred interest financing plan, it can be useful if you need your car repaired quickly and it’s not something you can afford at the time. Just make sure you know for sure that you can Pay the balance on time. If not, you’re better off choosing a credit card with an introductory offer of 0% annual percentage interest.


Additional benefits for all cardholders include in-store discounts, special discount offers, and for Mastercard cardholders, Protect against identity theft And Protection without liability. Additional Firestone card benefits will be awarded once you reach a certain spending level with your card.

There are three floors:

  • Passenger: Default class
  • Drivers: Expect to spend between $1,250 and $2,499 with Firestone in a calendar year
  • Explorer: Required to spend more than $2,500 with Firestone in a calendar year

Both Driver and Explorer statuses provide additional rewards on your birthday, access to double points earning events, and access to the option to store points instead of automatically redeeming them points for you.

Additionally, the only difference between Driver and Explorer status is the number of points you will earn when purchasing Firestone.

Related: Compare hotel elite status levels and how to earn them

Earn points on Firestone credit cards

With the Firestone card, you’ll earn 3% back on all Firestone purchases with Passenger and Driver status and 4% back with Explorer status. Rewards are earned in the form of myCFNA rewards points. These points are not the same as the transferable points you earn with a regular travel card; they act more like refunds because they can only be redeemed for statement credits.

Firestone Mastercard holders will receive 2% cashback fuel and other auto purchases and 1% back on everything else.

Additionally, through June 30, Mastercard holders will receive double rewards when eligible. buy a restaurantEarn 2 points per dollar spent.


I don’t recommend using this card for non-Firestone spending unless it’s your only credit card; You may get better value with a general refund or travel card. That said, getting 3% or 4% back on your Firestone purchase is nice, especially if you use Firestone as your primary auto care service.

The extra percentage increase when purchasing Firestone for Adventurer status is the only additional benefit you will get for going beyond Driver status, so in my opinion, not worth the effort force unless you naturally spend $2,500 or more in a year with Flint.

Related: How to choose a cashback credit card

Redeem points on Firestone credit cards

Redeeming points on the Firestone card is very simple. By default, every 1,000 points you earn are automatically redeemed for a $10 myCNFA Rewards. This bonus will automatically be applied as one credit report after your next qualifying purchase.

The Driver and Explorer status levels grant access to the Point Bank feature, allowing you to store your points instead of automatically redeeming them. With this feature, 1,000 points would still be equivalent to $10 in myCNFA Rewards, but this method makes it possible to redeem larger amounts.


It’s important to note that once your points have been converted to myCNFA Rewards, you must make your next qualifying purchase within six months. If not, these The reward will expire.

If you have opted in to the Point Bank feature, you should avoid redeeming points until you are ready to make a purchase. Additionally, your points will not expire unless you make no purchases with your Firestone card for more than 12 months.

Related: What happens to your points and miles after you die?

What cards compete with Firestone credit cards?

When looking at competitors for the Firestone card, consider cards that can earn good rewards on auto-related spending. Here are a few options:

For more options, check out our selection for the best options Refund card And Daily spending card.

Related: 5 reasons I loved Chase Freedom Unlimited when I first started using credit cards

Is the Firestone credit card worth it?

If you use Firestone as your primary auto service and your wallet is focused on cash back, the Firestone credit card is worth considering. Get 3% or 4% back on Firestone purchases, along with additional perks for big spenders, making this a competitive card against store cards. However, if your wallet is focused on Earn points and milesThis card may not be the best fit for you.

Related: How to choose the best credit card for you

Bottom line

Most credit card enthusiasts probably won’t mention the Firestone card when asked about it best store card, but it’s worth noting for its solid store card monetization structure and no annual fees. If you’re looking for a card that earns decent rewards for your auto service needs, the Firestone card may be for you.

Related: Credit Cards 101: A Beginner’s Guide

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