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Last Updated: 07/28/2025

Big O Tires® and Service Credit Card

from Citi®

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Big O Tires® and Service Credit Card logo
Strongly not recommended5 total votes
5 users don't recommend

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Highlights

Community Rating

Strongly not recommended

Purchase APR (Variable APR)

29.99%(Verified 06/21/2024)
Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

650 - 840

Annual Fee

$0

Number of Reviews

5

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Big O Tires® and Service Credit Card Review

This is a store card issued by Citi®. If you're wondering whether Big O Tires® and Service Credit Card is the right card for you, read on.

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
  • APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 29.99%
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval odds if you have a fair credit score or better.

Pros & Cons of Big O Tires credit card

Big O Tires credit card FAQ

Does Big O Tires credit card have a cash back or rewards program?

No, it does not offer a rewards program.
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Big O Tires credit card?

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.
Big O Tires® and Service Credit Card has a variable purchase APR of 29.99%. Big O Tires® and Service Credit Card does not offer balance transfers.

Does Big O Tires credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers. Big O Tires® and Service Credit Card does not offer balance transfers.

Does Big O Tires credit card have an intro APR offer on new purchases?

This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.

What are the fees for Big O Tires credit card?

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

What is the customer service phone number for Big O Tires credit card?

The customer service number for Big O Tires credit card is (800) 950-5114.

What is the support contact email for Big O Tires credit card?

The support contact email for Big O Tires credit card is customer.help@citi.com.

How do people rate the customer service and user experience of Big O Tires credit card?

Overall, Big O Tires credit card is strongly not recommended based on community reviews that rate customer service and user experience.

Does Big O Tires® and Service Credit Card report your account activity to credit bureaus?

Yes, Big O Tires® and Service Credit Card reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Citi® perform a hard credit pull?

Yes, Big O Tires credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Big O Tires credit card

  • Visit the website of Big O Tires credit card.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Big O Tires® and Service Credit Card logo

Message from Big O Tires credit card

Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. We have 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities. We are Citi, the global bank – an institution connecting millions of people across hundreds of countries and cities. We strive to earn and maintain the public's trust by constantly adhering to the highest ethical standards. We ask our colleagues to ensure that their decisions pass three tests: they are in our clients' interests, create economic value, and are always systemically responsible. When we do these things well, we make a positive financial and social impact in the communities we serve and show what a global bank can do.

With the Big O credit card, you’ll get many exclusive cardholder benefits, including exclusive cardholder savings, 24/7 online account management with online bill pay, helpful customer service, and more!

Contact

Headquarters

388 Greenwich Street
New York, NY 10013
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -100, or 1 on a 5-point rating scale.

-100

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Big O Tires® and Service Credit Card Community Reviews

Would you recommend Big O Tires® and Service Credit Card to your friends?

CN

Christina N.

Oct 24, 2023

May or may not recommend

Worst card ever... been paying $88.04 every 2 weeks for 6months and i owe the same amount due to 100% intrest. This is in the end my fault for needing help amd not reading the fine print somewhere.

U

Anonymous

Sep 11, 2021

May or may not recommend

There are really no perks to having one the most you maybe get $50 cash back deals. I would only suggest getting one if you didn’t have the cash to pay up front. Also I wouldn’t recommend big o tires PERIOD! Everytime they have done any work on my car I left with more issues than when I came and each time had to take it back ...Show More

Nyasha L. avatar image

Nyasha L.

Jan 14, 2021

May or may not recommend

They run your credit every month and when you ask why the credit department is very rude. Can't wait to pay it off in the next 30 days. They are ruthless

U

Anonymous

Feb 18, 2020

May or may not recommend

At first, things were fine. I qualified for the card and received credit immediately. I got the tires I desperately needed when I needed them with this card and that was great! Here we are 21 mos later and the 0.0 apr interest expired. I had a balance of right at $600 and much to my surprise check Credit Karma because I received an alert: HOLY MOLY!!! Citibank hit me ...Show More

Chase T. avatar image

Chase T.

Feb 11, 2019

May or may not recommend

I don't give a s*** that anybody knows who's this is. My name is Charles Trester and I recently had my card account closed due to inactivity. The scumbags would not open up the account and said that I could always apply again for a new card and which I responded that would be another hard inquiry on my credit report and now it hurt my credit report. So I ...Show More

Showing 5 of 5 reviews

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