Essential Guide to Credit First Auto Retailer Credit Cards

July. 16,2025

Learn about CFNA credit cards, their features, benefits, and limitations. Discover how these auto retailer cards can help finance repairs and tires, with tips on responsible use and potential risks. Suitable for vehicle owners seeking tailored auto care credit options nationwide.

Essential Guide to Credit First Auto Retailer Credit Cards

Essential Guide to Credit First Auto Retailer Credit Cards

If you've come across a credit report marked with 'CFNA,' you might be curious about its meaning. CFNA stands for Credit First National Association, a financial institution based in Ohio that provides personal and business banking services. They issue about 40 store-specific credit cards across the U.S., mainly linked to the auto industry. These include cards for Firestone, Bridgestone, and Tires Plus stores.

Essential Guide to Credit First Auto Retailer Credit Cards

CFNA specializes in auto repair and tire-related credit cards, accepted at various affiliated auto parts retailers nationwide. The application process is straightforward, allowing vehicle owners to select a card based on their driving habits. These cards are intended for use at specific stores, making them ideal for owners with multiple vehicles serviced at CFNA partner outlets. The Firestone Complete Auto Care credit card offers convenient financing for repairs, maintenance, and tires across the U.S.

This card often comes with exclusive offers and seasonal benefits.

If you have a CFNA account, your name appears on all three major credit reports with identifiers like 'CFNA Firestone,' 'CFNA Bridgestone,' or 'CFNA Tires Plus.' If you notice unfamiliar CFNA-related entries without your knowledge, it could indicate fraud. Contact CFNA immediately to dispute or freeze your account and safeguard your credit profile. Now, let's explore the main features of CFNA credit cards:

The key benefits include:

  • 6-Month Promotional Financing: Making minimum payments on time and paying off the entire balance within six months means no interest or late fees. Missing payments cancels this benefit.
  • Credit Limit Review: After six months of positive payment history, you can request a higher credit limit. This soft inquiry won't harm your credit score.
  • Secure Online Account Access: Manage your account from home securely, protecting your financial data during online registration and transactions.
  • Multiple Payment Options: Payments can be made online, by check, money order, or via phone with a debit card, offering flexibility.
  • Extensive Retail Network: Accepted at over 1,600 locations for auto care needs, with no annual fee and periodic discounts on tires and services.

However, the card has some limitations:

  • Not usable at ATMs or non-affiliated stores.
  • Some competitors may include additional perks like free oil changes.
  • Interest charges apply if payments are late or if promotional periods expire.
  • Late payments incur fees based on balances.
  • Customer reviews of CFNA highlight issues with communication and changing terms.

Always review terms carefully before applying. Avoid overextending your finances by holding multiple cards if you can't manage them responsibly.