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  Southern Tire Mart Credit Card
Southern Tire Mart Credit Card
in Credit Cards from Credit First National Association
Unaffiliated

Southern Tire Mart Credit Card

Unaffiliated
in Credit Cards from Credit First National Association
Not enough votes for recommendation

Not enough votes for recommendation

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Highlights
Purchase APR  (Variable APR) 28.8%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

Southern Tire Mart Credit Card Review

This is a store credit card issued by Credit First National Association. If you're wondering whether Southern Tire Mart Credit Card is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 28.8%
  • 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 your credit score is above 600.

Pros & Cons of Southern Tire Mart Credit Card

The Good The Bad
  • No annual fee.
  • Considers applicants with fair credit.
  • Southern Tire Mart Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Southern Tire Mart Credit Card FAQ

Does Southern Tire Mart Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Southern Tire Mart Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Southern Tire Mart Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Southern Tire Mart Credit Card has a variable purchase APR of 28.8%.

Does Southern Tire Mart Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Southern Tire Mart Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Southern Tire Mart Credit Card?

The following fees apply:

Southern Tire Mart Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $40
Late Payment Fee up to $40

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 Southern Tire Mart Credit Card?

The Southern Tire Mart Credit Card customer service number is (800) 321-3950.

What is the support contact email for Southern Tire Mart Credit Card?

The support contact email for Southern Tire Mart Credit Card is social@cfna.com.

What is the Southern Tire Mart Credit Card login page?

You can access the Southern Tire Mart Credit Card login page here.

How do people rate the customer service and user experience of Southern Tire Mart Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Southern Tire Mart Credit Card report your account activity to credit bureaus?

Yes, Southern Tire Mart Credit Card reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Southern Tire Mart Credit Card

  • Visit the Southern Tire Mart Credit Card website.
  • 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.

Contact

About Southern Tire Mart Credit Card

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View all credit cards offered by Credit First National Association
View Credit First National Association Profile

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $0
Minimum Interest Charge $2
No Interest Grace Period for Late Payment 23 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
APR Type Variable APR
Balance Computation Average Daily Balance (including new purchases)
Purchase APR (Variable APR) 28.8%
Card Type
  • Store Card
Card Network Other

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.