Ford dealerships are now offering a Ford Service credit card that customers can use to pay for repairs as well as parts and accessories, tires, extended service plans and more.
The card, offered in partnership with Citibank, is offered only through participating Ford dealerships, so if you want to apply, you’ll need to visit a dealership for an application.
Beyond offering credit, the card can often be used to get short-term 0% financing, meaning large purchases may qualify to be financed at 0% for a period of 6 or 12 months. Last we looked, the card was also offering a $25 rebate for new customers that use it to buy at least $250 worth of parts and/or service, as well as a rebate of up to $120 on certain tire purchases. You may be offered one of these deals if you apply at a dealership.
We could not find details on the interest rate you would be charged on the Ford Service credit card, which makes it tough to fully review the card’s offering, but experience tells us that cards like this generally charge hefty interest rates of over 20%. So don’t get the card and start charging like crazy — use it for the initial rebate or if you have a serious repair emergency, but do your best to keep it paid off or the interest charges will eat you alive.