Autopass Credit Card Review: The AutoPass Tire and Service Center credit card is one of many Credit First National Association (CFNA) auto service cards. CFNA is a Bridgestone-owned bank, so this credit card is accepted at thousands of auto service locations across the country.
The AutoPass credit card is a retail credit card that allows you to fund auto repair costs and auto parts purchases.
It has some advantages and some disadvantages as we will see below.
AUTOPASS CREDIT CARD REVIEW FOR TIRES AND SERVICE CENTERS
This is a retail credit card issued by the Credit First National Association. If you’re wondering if the AutoPass for Tire and Service Centers credit card is right for you, read on. This review will give you all the details you need to make a good choice.
AutoPass credit card Features and Benefits
- Interest deferred on purchases over $149 paid within the first six months
- No annual fees
- No liability for fraud
- Reports to major credit bureaus such as Equifax, Experian, and Transunion
- 24/7 online account management
- Fast credit decisions
- Simple application process
- instant purchasing power
- Accepts a reasonable credit score (minimum 600)
Who should consider the AutoPass credit card?
If you are looking for this card, you may have one of the following issues:
- Frequent spending on auto parts and repairs
- A one-time major emergency repair that you need to put on a card and pay later
- The AutoPass card does not solve the first problem; You’re much better off with a reward system card like the Chase Slate Edge, Chase Freedom Unlimited, or Capital One Quicksilver Cash Rewards credit card.
- The second problem is what this map was made for. You simply repair your car with no money out of your pocket and the payment is relegated to six months. If you’re not sure you can pay within the first six months, avoid this card.
- On the other hand, if it’s a quick save situation, this card is perfect for it, as we’ll see below.
Why you might want the Autopass credit card?
The AutoPass credit card can come in handy if you have an emergency repair on your car that you can’t pay right away. Offered by the car service located across the street, it can save the day when you’re stuck for money.
However, it is very important to set aside a monthly payment that must cover the full amount within the first six months. For example, with the 28.8% APR, you do not have to pay the rest of the amount.
Keep in mind that paying off the minimum monthly installment (just 4% of the total amount you finance) won’t pay off the debt in 6 months. Therefore, it is better that you pay the maximum amount to complete your payments within the time of 0% APR.
Why you’re probably better off with a different card
Since the AutoPass card’s credit requirement is quite low, you may be tempted to do this. That said, if your credit score can offer you a better deal, don’t be tempted to blindly accept it.
As we mentioned earlier, other cards have much lower APRs, with the default being 15-18%. This is almost half of the AutoPass APR. Not to mention the very short 6-month deferred interest period while the most common number is 12-18 months which is more than enough time to pay in installments.
Last but not least, the AutoPass credit card has no rewards system, cashback, or purchase points. Other credit cards offer you a lot more, making them more rewarding.
This seems to be a recurring theme with retail credit cards, especially at auto repair shops. Usually, the person applying for financing has an emergency or an unexpected payment.
This is the perfect opportunity to provide a quick fix that isn’t that strong in the long run. So unless you’re desperate and this is your only option, you may want to consider another way.
Is there a better way to fund an unexpected car payment than the Autopass card?
Yes! In addition to the AutoPass credit card, there are several options to choose from:
Other cards with a better APR and deferred interest periods, such as the Chase Slate Edge credit card, Chase Freedom Unlimited, or Capital One Quicksilver Cash Rewards.
Pay From Savings
Ask the workshop for a payment plan, but in this case, avoid abuse as they can exorbitantly increase repair costs.
Ask a close friend or family member for a loan
Take out a personal loan
It’s unclear whether deferred interest applies to purchases with multiple receipts or just one. All available information points to the only requirement: the minimum purchase of $149.
That’s why it’s important to check with CFNA before making a small purchase of $170 and then a larger purchase of $1,000 on individual receipts. Your AutoPass card can fund the first bill, but not the second, completely negating the purpose of the card.
How to apply for an AutoPass credit card and Service Centers credit card
- Visit the AutoPass for Tire and Service Centers Credit Card website.
- Fill in the application form. In general, you must provide general financial information, such as your Social Security number, address, and annual income.
- Check that the details are correct and submit your application.
- If your credit score makes you ineligible for this credit card, check out our guide to the best credit cards for bad credit.
AutoPass credit card Login
Here we have listed how to can AutoPass credit card Login, you can easily navigate to the official links from here.
These results will give you access to your Autopass portal accounts and you can now login to your account by following the steps below.
Follow these simple steps:
- Step 1. Go to the Autopass page from the official link below.
- Step 2. Log in with your username and password. The login screen will appear after a successful login.
- Step 3. If you still cannot access Autopass, please contact them.
FREQUENTLY ASKED QUESTIONS ABOUT THE AUTOPASS CREDIT CARD FOR TIRES AND SERVICE CENTERS
Does the AutoPass for Tire and Service Centers credit card have a discount or rewards program?
No, it does not offer a rewards program.
What are the benefits of the AutoPass for Tire and Service Centers credit card?
Offers the following benefits:
- No liability for fraud
- Reports to major credit bureaus
What are the relevant APRs for AutoPass for Tire and Service Centers Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts with a balance. This card has higher than average regular APRs.
The AutoPass for Tire and Service Centers credit card has a variable purchase APR of 28.8%.
Does the AutoPass for Tire and Service Centers credit card have an introductory APR offer for balance transfers?
No, it does not come with an introductory APR balance transfer offer.
Does the AutoPass for Tire and Service Centers credit card have an introductory APR offer for new purchases?
This card does not offer an introductory APR for new purchases.
What is the cost for AutoPass for Tires and Credit Card Service Centers?
AutoPass credit card fees for tires and service centers
The following rates apply:
- Annual Fee: $0
- Returned Payment Fee: Up to $40
- Late Payment Fee: Up to $40
This card does not charge an annual fee, making it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for AutoPass for Tire and Service Centers Credit Card?
AutoPass tire and service center credit card customer service number is (800) 321-3950.
What is the contact support email for AutoPass for Tire and Service Centers Credit Card?
The email address for contacting support for AutoPass for Tire and Service Centers Credit Card is social@cfna.com.
What is the AutoPass for Tire and Service Centers Credit Card Login Page?
You can access the AutoPass for Tire and Service Centers Credit Card login page here.
Does the AutoPass for Tire and Service Centers credit card report your account activity to the credit bureaus?
Yes, the AutoPass for Tire and Service Centers credit card report your account activity to the following credit reference agencies:
- Equifax
- Experian
- TransUnion
Making regular, timely payments to a creditor who reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your creditworthiness.
KEY FINDINGS
- High APRs. This is not a great card for people who have a balance. It has a variable APR purchase of 28.8%
- No annual costs*. This is a great option for those 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 is required. You have a good chance of being approved if your credit score is above 600.
Conclusion – Autopass Credit Card
The AutoPass credit card is just like any other retail credit card: a convenient solution to a very small number of problems. Its whole purpose is to provide a financing option for a large and unexpected auto repair or parts bill.
If your credit score doesn’t allow you to apply for other credit cards that have more benefits, this may be a good option for you. Be careful not to exceed the six-month deferred interest period or you will be hit by the high APR on this card.
As of May 2022, CFNA will only offer a personal AutoPass credit card and not a business version. The companies they serve are auto parts and repair shops that accept their credit cards.
