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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Firestone Mastercard credit card review: Worth considering for Firestone fans
Olivia Mittak is a credit cards editor at TPG. She specializes in maximizing earn for points and miles, finding the best welcome bonuses and choosing the right credit cards for your wallet.
March 10, 2025 • 8 min read
TRAVEL ALASKA/BEN PRESCOTT
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
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Quick summary
The Firestone Mastercard is a store card offering tiered rewards, with higher earnings at Firestone locations and simple point redemption for statement credits.
It features instant discounts on Firestone purchases, deferred interest financing for six months and additional benefits for higher spending tiers.
Cardholders can access exclusive rebates, in-store discounts and protections such as identity theft coverage and zero liability.
This card is best suited for those who frequently use Firestone for automotive needs and prefer a cash-back approach.
What to consider
Some benefits, including higher rewards and flexible point redemption, require reaching specific annual spending thresholds at Firestone.
Deferred interest financing accrues interest during the promotional period, so the full balance must be paid within six months to avoid charges.
Points expire if no qualifying purchase is made within 12 months, and rewards expire six months after conversion if unused.
What you'll miss from the article
A detailed comparison of how this card stacks up against general cash-back and travel-focused cards for auto-related spending.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
The Firestone Mastercard is a unique store card in that it offers a tiered system of rewards based on spending. With good earnings on Firestone spending, a simple redemption method for points earned and no annual fee, this card makes sense for anyone with a cash-back wallet who uses Firestone frequently for their automotive needs. Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
Store cards are rarely recommended here at TPG, and for good reason. Many have poor earnings rates, unnecessarily complicated redemption methods and gimmicks that cause more headaches than they're worth.
The Firestone Mastercard, however, is different. While it isn't for everyone, it can make sense if you use Firestone as your primary auto service and have a cash-back-focused wallet.
Firestone issues two credit cards: a closed-loop version that can only be used by Firestone and its partners and a Mastercard version that can be used anywhere.
In this guide, we're exploring the Firestone Mastercard details. It has no annual fee and we recommend applicants have a credit score of 640 or higher to increase their chances of approval.
If you're considering getting it, here's what you need to know and why it's one of the better store cards currently available.
The information for the Firestone Credit Card and Firestone Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
After opening the card, you'll instantly get 5% off your next Firestone purchase. This welcome offer is not comparable to most travel and general cash-back card welcome offers.
However, it makes the card worth opening for Firestone loyalists just for the extra discounts; since this card lacks an annual fee, you don't need to worry about getting value beyond that.
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The Firestone card also offers deferred interest financing for six months. As long as the amount charged to the card is paid in full within six months, you won't have to pay any interest. However, interest still accrues during this time, so if you don't pay off the full amount in time, you could be hit with a potentially large bill.
While I don't recommend using a deferred interest financing plan, it can be helpful if you urgently need a car repair and it isn't something you can afford at that moment. Just ensure you know for certain that you can pay off the balance in time. Otherwise, you'll be better off choosing a credit card with an introductory 0% annual percentage rate (APR) offer.
Other benefits available to all cardholders include in-store discounts, special rebate offers and, for Mastercard holders, identity theft protection and zero liability protection. Additional benefits for the Firestone card are awarded after reaching a certain tier of spending with your card.
There are three tiers:
Passenger: Default tier
Driver: Requires $1,250 to $2,499 in spending with Firestone in a calendar year
Adventurer: Requires spending over $2,500 with Firestone in a calendar year
The Driver and Adventurer statuses both offer extra rewards on your birthday, access to double points-earning events and access to the option to store your points instead of getting them automatically redeemed for you.
Beyond this, the only difference between Driver and Adventurer status is the amount of points you'll earn on Firestone purchases.
Earning points on the Firestone Mastercard
With the Firestone card, you'll earn 3% back on all Firestone purchases with Passenger and Driver status and 4% back with Adventurer status.
Rewards are earned as myCFNA Rewards points. These points aren't like the transferable points you'd earn with a general travel card; they function more like cash back since they can only be redeemed for statement credits.
Firestone Mastercard holders will earn 2% back on fuel and other automotive purchases and 1% back on everything else.
BLAINE FRANGER/GETTY IMAGES
I wouldn't recommend using this card for non-Firestone spending unless it's your only credit card; you can get better value with a general cash-back or travel card. That said, getting either 3% or 4% back on Firestone purchases is good, especially if you use Firestone as your primary auto-care service.
The extra percent on Firestone purchases for having Adventurer status is the only extra benefit you'll get over Driver status, so in my opinion, it isn't worth putting the effort in unless you're naturally spending $2,500 or more in a year with Firestone.
Redeeming points on the Firestone card is straightforward. By default, every 1,000 points you earn will automatically be redeemed for a $10 myCNFA Reward. This reward will automatically be applied as a statement credit after your next qualifying purchase.
Driver and Adventurer status tiers grant access to the Points Bank feature, allowing you to store your points instead of automatically redeeming them. With this feature, 1,000 points will still equal a $10 myCNFA Reward, but this method makes a larger redemption possible.
NIKO ENDRES/EYEEM/GETTY IMAGES
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. Otherwise, those rewards will expire.
If you've opted into the Points Bank feature, it's wise to avoid redeeming your points until you're ready to make a purchase. Additionally, your points will not expire unless you go more than 12 months without making a purchase with your Firestone card.
Which cards compete with the Firestone Mastercard?
When considering competitors for the Firestone card, consider cards that can earn good rewards on auto-related spending. Here are a few options:
If you want a flat-rate earnings card: The Capital One Venture Rewards Credit Card earns 5 miles per dollar spent on hotel, vacation rental and car rental bookings through Capital One Travel and 2 miles per dollar spent on all other purchases. While you won't earn as many rewards at Firestone with this card versus the Firestone card, the miles you earn can go much further. To learn more, read our full review of the Venture Rewards card.
If you want a cash-back card: The (see rates and fees) earns 2% cash rewards back on purchases. It doesn't have an annual fee, making it great as an early-stage cash-rewards card or for a single-card wallet. You'll also enjoy added perks since the Active Cash is a Visa Signature card. To learn more, read our full review of the Wells Fargo Active Cash.
If you want a card with good bonus categories: The (see rates and fees) earns 5% back on Chase Travel℠ purchases, 3% back on dining and drugstore purchases and 1.5% back on everything else. While its nonbonus earning isn't as good as the other cards suggested here, you'll earn extra rewards on dining, a primary spending category for many. To learn more, read our full review of the Chase Freedom Unlimited.
If you use Firestone as your main auto service and your wallet is cash-back focused, the Firestone Mastercard is worth considering. Getting 3% or 4% back on Firestone purchases, along with added perks for heavy spenders, makes this a competitive card as far as store cards are concerned. However, if your wallet is focused on earning points and miles, this card may not be the best fit for you.
Most credit card enthusiasts will probably not mention the Firestone card when asked about the best store cards, but it deserves some attention given its solid earning structure and lack of an annual fee. If you're in the market for a card that earns good rewards on your auto service needs, the Firestone card may be for you.
